TellerScore

Trenton Teachers Federal Credit Union (NCUA charter #2932) is based in Trenton, New Jersey. Its Q2 2026 call report shows $1.9M in total assets and $1.5M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Trenton Teachers Federal Credit Union scores 71/100, which we describe as strong. That is higher than only 42% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 57th. Its strongest component is capital cushion (100/100; 22.39%), and its lowest is loan quality (0/100; 13.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 22.39%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 13.59%
Earnings81/100
Return on assets (annualized): 1.53%
Funding & liquidity100/100
Loans ÷ shares: 7.5% · 0.0% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.39%

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 3 points (74 → 71), mostly because the earnings component weakened by 19 points.

TellerScore
717579Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202479
Q4 202475
Q1 202574
Q2 202574
Q3 202574
Q4 202572
Q1 202672
Q2 202671
Net worth ratio
7.00%14.70%22.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.51%
Q3 202420.23%
Q4 202418.06%
Q1 202516.67%
Q2 202520.81%
Q3 202521.59%
Q4 202519.50%
Q1 202618.07%
Q2 202622.39%
Delinquent loans (60+ days)
2.44%8.01%13.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20244.25%
Q3 20242.44%
Q4 20242.99%
Q1 20255.21%
Q2 20259.85%
Q3 20253.94%
Q4 20253.88%
Q1 20265.57%
Q2 202613.59%
Return on assets
1.53%2.10%2.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.67%
Q3 20242.61%
Q4 20242.36%
Q1 20252.27%
Q2 20252.01%
Q3 20251.86%
Q4 20251.70%
Q1 20261.64%
Q2 20261.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$1.9M22.39%13.59%1.53%7.5%
Q1 202672$2.4M18.07%5.57%1.64%9.9%
Q4 202572$2.1M19.50%3.88%1.70%16.1%
Q3 202574$1.9M21.59%3.94%1.86%19.3%
Q2 202574$1.9M20.81%9.85%2.01%8.4%
Q1 202574$2.4M16.67%5.21%2.27%11.8%
Q4 202475$2.1M18.06%2.99%2.36%18.9%
Q3 202479$1.8M20.23%2.44%2.61%22.1%
Q2 202475$1.9M18.51%4.25%2.67%7.1%

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 ratio22.39%
84th
Problem loans13.59%
1st
Net charge-offs0.00%
77th
Return on assets1.53%
86th
Loans to deposits7.5%
99th
Uninsured deposits0.0%
81st
Loan-loss reserves12.75%
99th
Texas ratio3.4%
40th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Newark Post Office Employees Credit UnionCredit union Newark, NJ66 out of 100, Moderate$2.0M33.2%1.69%vs
Atlantic City Police Federal Credit UnionCredit union Northfield, NJ78 out of 100, Strong$2.1M21.2%2.02%vs
Clifton NJ Postal Employees Federal Credit UnionCredit union Clifton, NJ59 out of 100, Moderate$2.1M52.2%6.71%vs
Elizabeth Police Department E Federal Credit UnionCredit union Elizabeth, NJ47 out of 100, Below average$1.7M50.3%9.47%vs
Ocean County Employees Federal Credit UnionCredit union Toms River, NJ97 out of 100, Very strong$1.4M20.0%0.33%vs
Public Service E.D. Trenton Federal Credit UnionCredit union Mercerville, NJ89 out of 100, Very strong$2.6M49.9%0.00%vs

Deposit insurance

Is my money safe at Trenton Teachers Federal Credit Union?

Yes. Trenton Teachers Federal Credit Union is a federally insured credit union (NCUA charter #2932). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 22.39%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Trenton Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
2932
RSSD ID
990071
Primary regulator
NCUA
Established
1938
Headquarters
Po Box 9335, Trenton, NJ 08650
Employees
1

Quick answers

Trenton Teachers Federal Credit Union: common questions

Is Trenton Teachers Federal Credit Union NCUA insured?

Yes. Trenton Teachers Federal Credit Union is a federally insured credit union (NCUA charter #2932). 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 Trenton Teachers Federal Credit Union's TellerScore?

71 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 Trenton Teachers Federal Credit Union have?

1 office as of the latest NCUA data.