TellerScore

Riegel Federal Credit Union (NCUA charter #13944) is based in Milford, New Jersey. Its Q2 2026 call report shows $167.7M in total assets and $149.4M in member shares and deposits and 3 offices across 2 states.

Riegel Federal Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 95th. Funding & liquidity contributes the most (100/100, 31% loans-to-deposits, 5% uninsured); earnings contributes the least (36/100, 0.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.36%
Loan quality41/100
Loans 60+ days delinquent ÷ total loans: 1.77%
Earnings36/100
Return on assets (annualized): 0.40%
Funding & liquidity100/100
Loans ÷ shares: 30.8% · 5.0% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.68%

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

From Q2 2025 to Q2 2026, the score rose 4 points (54 → 58), mostly because the loan quality component improved by 15 points.

TellerScore
475766Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202448
Q4 202447
Q1 202566
Q2 202554
Q3 202555
Q4 202558
Q1 202659
Q2 202658
Net worth ratio
7.00%8.68%10.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.85%
Q3 20249.98%
Q4 20249.95%
Q1 202510.15%
Q2 202510.20%
Q3 202510.28%
Q4 202510.28%
Q1 202610.15%
Q2 202610.36%
Delinquent loans (60+ days)
0.98%1.76%2.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.95%
Q3 20242.32%
Q4 20242.53%
Q1 20250.98%
Q2 20252.23%
Q3 20252.05%
Q4 20251.68%
Q1 20261.51%
Q2 20261.77%
Return on assets
-0.07%0.27%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.07%
Q3 2024-0.01%
Q4 20240.02%
Q1 20250.60%
Q2 20250.44%
Q3 20250.36%
Q4 20250.32%
Q1 20260.33%
Q2 20260.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$167.7M10.36%1.77%0.40%30.8%
Q1 202659$169.2M10.15%1.51%0.33%30.1%
Q4 202558$165.7M10.28%1.68%0.32%30.7%
Q3 202555$164.8M10.28%2.05%0.36%31.0%
Q2 202554$165.3M10.20%2.23%0.44%30.4%
Q1 202566$164.9M10.15%0.98%0.60%30.6%
Q4 202447$165.7M9.95%2.53%0.02%30.4%
Q3 202448$164.8M9.98%2.32%-0.01%31.3%
Q2 202451$166.6M9.85%1.95%-0.07%31.0%

1,341 peers · $100 million – $1 billion

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 ratio10.36%
34th
Problem loans1.77%
9th
Net charge-offs0.38%
47th
Return on assets0.40%
24th
Loans to deposits30.8%
98th
Uninsured deposits5.0%
60th
Loan-loss reserves0.00%
50th
Texas ratio4.7%
43rd

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Princeton Federal Credit UnionCredit union Princeton, NJ59 out of 100, Moderate$169.2M10.0%0.95%vs
First Financial Federal Credit UnionCredit union Freehold, NJ38 out of 100, Low$176.1M8.3%2.78%vs
Nova Ua Federal Credit UnionCredit union Clifton, NJ79 out of 100, Strong$156.4M13.8%0.17%vs
Xcel Federal Credit UnionCredit union Bloomfield, NJ61 out of 100, Moderate$185.8M10.9%0.99%vs
Campbell Federal Credit UnionCredit union Maple Shade, NJ69 out of 100, Moderate$138.6M14.3%1.36%vs
County Excellence Federal Credit UnionCredit union Roselle Park, NJ57 out of 100, Moderate$137.9M8.4%1.37%vs

Deposit insurance

Is my money safe at Riegel Federal Credit Union?

Yes. Riegel Federal Credit Union is a federally insured credit union (NCUA charter #13944). 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 5.0% of shares and deposits ($7.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.36%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Riegel Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Riegel Federal Credit Union
Type
Federal credit union
NCUA charter #
13944
RSSD ID
385882
Primary regulator
NCUA
Established
1960
Headquarters
515 Milford Warren Glen Rd, Milford, NJ 08848
Employees
32

Quick answers

Riegel Federal Credit Union: common questions

Is Riegel Federal Credit Union NCUA insured?

Yes. Riegel Federal Credit Union is a federally insured credit union (NCUA charter #13944). 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 Riegel Federal Credit Union's TellerScore?

58 out of 100 (Moderate), 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 Riegel Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.