TellerScore

Seaport Federal Credit Union (NCUA charter #19185) is based in Elizabeth, New Jersey. Its Q2 2026 call report shows $109.6M in total assets and $94.8M in member shares and deposits and 3 offices across 2 states.

Based on its Q2 2026 filing, Seaport Federal Credit Union scores 75/100, which we describe as strong. That is higher than 66% of 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 34th. Its strongest component is funding & liquidity (100/100; 54% loans-to-deposits, 15% uninsured), and its lowest is earnings (25/100; 0.14%).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Net worth ratio: 13.12%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.50%
Earnings25/100
Return on assets (annualized): 0.14%
Funding & liquidity100/100
Loans ÷ shares: 54.0% · 15.1% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.77%

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 fell 2 points (77 → 75), mostly because the earnings component weakened by 15 points.

TellerScore
727986Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202486
Q4 202477
Q1 202577
Q2 202577
Q3 202577
Q4 202580
Q1 202672
Q2 202675
Net worth ratio
7.00%10.64%14.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.28%
Q3 202414.24%
Q4 202414.24%
Q1 202513.90%
Q2 202513.59%
Q3 202513.98%
Q4 202513.49%
Q1 202613.21%
Q2 202613.12%
Delinquent loans (60+ days)
0.36%0.96%1.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.85%
Q3 20240.56%
Q4 20241.56%
Q1 20250.66%
Q2 20250.74%
Q3 20250.88%
Q4 20250.36%
Q1 20260.75%
Q2 20260.50%
Return on assets
0.02%0.70%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.38%
Q3 20241.18%
Q4 20241.15%
Q1 20250.31%
Q2 20250.49%
Q3 20250.51%
Q4 20250.43%
Q1 20260.02%
Q2 20260.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$109.6M13.12%0.50%0.14%54.0%
Q1 202672$108.3M13.21%0.75%0.02%51.7%
Q4 202580$106.1M13.49%0.36%0.43%51.8%
Q3 202577$101.9M13.98%0.88%0.51%52.5%
Q2 202577$103.9M13.59%0.74%0.49%49.6%
Q1 202577$100.3M13.90%0.66%0.31%50.2%
Q4 202477$97.3M14.24%1.56%1.15%55.2%
Q3 202486$95.4M14.24%0.56%1.18%57.6%
Q2 202485$93.7M14.28%0.85%1.38%59.7%

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 ratio13.12%
71st
Problem loans0.50%
64th
Net charge-offs0.11%
84th
Return on assets0.14%
8th
Loans to deposits54.0%
86th
Uninsured deposits15.1%
5th
Loan-loss reserves0.00%
50th
Texas ratio1.8%
79th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Raritan Bay Federal Credit UnionCredit union Sayreville, NJ64 out of 100, Moderate$107.6M8.8%1.24%vs
Advanced Financial Federal Credit UnionCredit union New Providence, NJ72 out of 100, Strong$107.0M15.7%1.45%vs
Deepwater Industries Federal Credit UnionCredit union Deepwater, NJ77 out of 100, Strong$113.6M11.2%1.00%vs
Members 1st of NJ Federal Credit UnionCredit union Vineland, NJ67 out of 100, Moderate$134.2M9.6%0.65%vs
Liberty Savings Federal Credit UnionCredit union Jersey City, NJ54 out of 100, Below average$135.1M11.7%2.09%vs
Healthcare Employees Federal Credit UnionCredit union Princeton, NJ86 out of 100, Very strong$137.2M13.6%0.62%vs

Deposit insurance

Is my money safe at Seaport Federal Credit Union?

Yes. Seaport Federal Credit Union is a federally insured credit union (NCUA charter #19185). 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 15.1% of shares and deposits ($14.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.12%, well 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Seaport Federal Credit Union
Type
Federal credit union
NCUA charter #
19185
RSSD ID
331683
Primary regulator
NCUA
Established
1969
Headquarters
5080 McLester St, Elizabeth, NJ 07201
Employees
30

Quick answers

Seaport Federal Credit Union: common questions

Is Seaport Federal Credit Union NCUA insured?

Yes. Seaport Federal Credit Union is a federally insured credit union (NCUA charter #19185). 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 Seaport Federal Credit Union's TellerScore?

75 out of 100 (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 Seaport Federal Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Elizabeth

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
Paul Quinn Federal Credit UnionCredit union Jamaica, NY93 out of 100, Very strong$358K26.1%0.00%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs