TellerScore

Ridgedale Federal Credit Union is a federal credit union headquartered in East Hanover, New Jersey, in business for about 79 years. At the end of Q2 2026 it reported $98.0M in total assets and $89.1M in member shares and deposits, with 2 offices.

Ridgedale Federal Credit Union has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 12% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 107th. Funding & liquidity contributes the most (100/100, 52% loans-to-deposits, 7% uninsured); earnings contributes the least (5/100, -0.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Net worth ratio: 9.09%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.04%
Earnings5/100
Return on assets (annualized): -0.36%
Funding & liquidity100/100
Loans ÷ shares: 51.6% · 7.0% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.36%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (52 → 53).

TellerScore
495458Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202458
Q4 202456
Q1 202551
Q2 202552
Q3 202555
Q4 202554
Q1 202649
Q2 202653
Net worth ratio
7.00%8.29%9.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.24%
Q3 20249.58%
Q4 20249.49%
Q1 20258.94%
Q2 20259.29%
Q3 20259.46%
Q4 20259.57%
Q1 20268.91%
Q2 20269.09%
Delinquent loans (60+ days)
0.59%0.96%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.59%
Q3 20240.62%
Q4 20240.81%
Q1 20251.12%
Q2 20251.19%
Q3 20251.06%
Q4 20251.19%
Q1 20261.34%
Q2 20261.04%
Return on assets
-0.91%-0.61%-0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.91%
Q3 2024-0.80%
Q4 2024-0.73%
Q1 2025-0.52%
Q2 2025-0.45%
Q3 2025-0.36%
Q4 2025-0.32%
Q1 2026-0.53%
Q2 2026-0.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$98.0M9.09%1.04%-0.36%51.6%
Q1 202649$100.5M8.91%1.34%-0.53%50.3%
Q4 202554$94.9M9.57%1.19%-0.32%54.5%
Q3 202555$96.7M9.46%1.06%-0.36%53.7%
Q2 202552$98.9M9.29%1.19%-0.45%49.6%
Q1 202551$103.8M8.94%1.12%-0.52%49.9%
Q4 202456$99.2M9.49%0.81%-0.73%51.4%
Q3 202458$99.7M9.58%0.62%-0.80%50.8%
Q2 202457$104.8M9.24%0.59%-0.91%47.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.09%
9th
Problem loans1.04%
38th
Net charge-offs0.57%
24th
Return on assets-0.36%
13th
Loans to deposits51.6%
61st
Uninsured deposits7.0%
13th
Loan-loss reserves0.00%
37th
Texas ratio5.4%
28th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Bay Atlantic Federal Credit UnionCredit union Vineland, NJ66 out of 100, Moderate$97.1M8.9%0.23%vs
Irco Community Federal Credit UnionCredit union Phillipsburg, NJ78 out of 100, Strong$93.7M10.1%0.01%vs
Central Jersey Federal Credit UnionCredit union Woodbridge, NJ67 out of 100, Moderate$93.2M10.6%0.98%vs
Union Building Trades Federal Credit UnionCredit union Parsippany, NJ71 out of 100, Strong$85.8M12.8%0.84%vs
B-M S Federal Credit UnionCredit union New Brunswick, NJ80 out of 100, Strong$81.7M21.1%0.54%vs
Rutgers Federal Credit UnionCredit union New Brunswick, NJ85 out of 100, Very strong$77.4M12.6%0.39%vs

Deposit insurance

Is my money safe at Ridgedale Federal Credit Union?

Yes. Ridgedale Federal Credit Union is a federally insured credit union (NCUA charter #5419). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.0% of shares and deposits ($6.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.09%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Ridgedale Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ridgedale Federal Credit Union
Type
Federal credit union
NCUA charter #
5419
RSSD ID
548977
Primary regulator
NCUA
Established
1947
Headquarters
124 S Ridgedale AVe, East Hanover, NJ 07936
Employees
17

Quick answers

Ridgedale Federal Credit Union: common questions

Is Ridgedale Federal Credit Union NCUA insured?

Yes. Ridgedale Federal Credit Union is a federally insured credit union (NCUA charter #5419). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Ridgedale Federal Credit Union's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Ridgedale Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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Division 819 Transit Employees Credit UnionCredit union Irvington, NJ88 out of 100, Very strong$16.7M17.9%1.02%vs
Local 1233 Federal Credit UnionCredit union Newark, NJ88 out of 100, Very strong$14.1M17.9%0.27%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs