TellerScore

Rutgers Federal Credit Union (NCUA charter #9237) is based in New Brunswick, New Jersey. Its Q2 2026 call report shows $77.4M in total assets and $67.0M in member shares and deposits and 1 office.

Rutgers Federal Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 77% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 13th. Funding & liquidity contributes the most (100/100, 32% loans-to-deposits, 6% uninsured); capital cushion contributes the least (76/100, 12.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Net worth ratio: 12.64%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings82/100
Return on assets (annualized): 1.54%
Funding & liquidity100/100
Loans ÷ shares: 31.6% · 6.2% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.60%

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 5 points (80 → 85), mostly because the capital cushion component improved by 16 points.

TellerScore
667685Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202472
Q4 202473
Q1 202577
Q2 202580
Q3 202579
Q4 202581
Q1 202683
Q2 202685
Net worth ratio
7.00%9.82%12.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.46%
Q3 20249.76%
Q4 202410.06%
Q1 202510.40%
Q2 202510.98%
Q3 202511.14%
Q4 202511.65%
Q1 202611.64%
Q2 202612.64%
Delinquent loans (60+ days)
0.15%0.57%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.99%
Q3 20240.32%
Q4 20240.37%
Q1 20250.18%
Q2 20250.18%
Q3 20250.24%
Q4 20250.27%
Q1 20260.15%
Q2 20260.39%
Return on assets
0.97%1.25%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.03%
Q3 20240.97%
Q4 20241.03%
Q1 20251.20%
Q2 20251.24%
Q3 20251.21%
Q4 20251.29%
Q1 20261.37%
Q2 20261.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$77.4M12.64%0.39%1.54%31.6%
Q1 202683$81.4M11.64%0.15%1.37%31.0%
Q4 202581$78.9M11.65%0.27%1.29%31.8%
Q3 202579$79.9M11.14%0.24%1.21%33.1%
Q2 202580$78.9M10.98%0.18%1.24%33.6%
Q1 202577$80.9M10.40%0.18%1.20%33.0%
Q4 202473$81.3M10.06%0.37%1.03%33.1%
Q3 202472$81.2M9.76%0.32%0.97%34.2%
Q2 202466$82.1M9.46%0.99%1.03%34.0%

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 ratio12.64%
37th
Problem loans0.39%
64th
Net charge-offs0.52%
26th
Return on assets1.54%
86th
Loans to deposits31.6%
87th
Uninsured deposits6.2%
16th
Loan-loss reserves0.00%
37th
Texas ratio4.6%
31st

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Hoboken School Employees Federal Credit UnionCredit union Hoboken, NJ72 out of 100, Strong$75.6M20.5%1.36%vs
B-M S Federal Credit UnionCredit union New Brunswick, NJ80 out of 100, Strong$81.7M21.1%0.54%vs
United Poles Federal Credit UnionCredit union Perth Amboy, NJ28 out of 100, Low$72.3M7.0%2.96%vs
Union Building Trades Federal Credit UnionCredit union Parsippany, NJ71 out of 100, Strong$85.8M12.8%0.84%vs
Fort Billings Federal Credit UnionCredit union Paulsboro, NJ65 out of 100, Moderate$64.2M9.3%0.19%vs
New Jersey Law and Public Safety Credit UnionCredit union Trenton, NJ93 out of 100, Very strong$63.9M19.6%0.31%vs

Deposit insurance

Is my money safe at Rutgers Federal Credit Union?

Yes. Rutgers Federal Credit Union is a federally insured credit union (NCUA charter #9237). 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 6.2% of shares and deposits ($4.1M) 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 12.64%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Rutgers Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Rutgers Federal Credit Union
Type
Federal credit union
NCUA charter #
9237
RSSD ID
123084
Primary regulator
NCUA
Established
1954
Headquarters
98 College Ave, New Brunswick, NJ 08901
Employees
14

Quick answers

Rutgers Federal Credit Union: common questions

Is Rutgers Federal Credit Union NCUA insured?

Yes. Rutgers Federal Credit Union is a federally insured credit union (NCUA charter #9237). 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 Rutgers Federal Credit Union's TellerScore?

85 out of 100 (Very strong), 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 Rutgers Federal Credit Union have?

1 office as of the latest NCUA data.