TellerScore

Union Building Trades Federal Credit Union is a federal credit union headquartered in Parsippany, New Jersey, in business for about 53 years. At the end of Q2 2026 it reported $85.8M in total assets and $71.7M in member shares and deposits, with 1 office.

Union Building Trades Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 54th. Funding & liquidity contributes the most (99/100, 61% loans-to-deposits, 2% uninsured); earnings contributes the least (29/100, 0.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Net worth ratio: 12.78%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.84%
Earnings29/100
Return on assets (annualized): 0.22%
Funding & liquidity99/100
Loans ÷ shares: 60.9% · 1.8% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.35%

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 7 points (64 → 71), mostly because the loan quality component improved by 21 points.

TellerScore
596571Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202459
Q3 202461
Q4 202463
Q1 202562
Q2 202564
Q3 202564
Q4 202569
Q1 202666
Q2 202671
Net worth ratio
7.00%9.99%12.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202412.73%
Q3 202412.77%
Q4 202412.98%
Q1 202512.89%
Q2 202512.89%
Q3 202512.85%
Q4 202512.96%
Q1 202612.86%
Q2 202612.78%
Delinquent loans (60+ days)
0.84%1.43%2.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20242.02%
Q3 20241.81%
Q4 20241.76%
Q1 20251.60%
Q2 20251.47%
Q3 20251.47%
Q4 20251.09%
Q1 20261.05%
Q2 20260.84%
Return on assets
-0.23%-0.01%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.00%
Q3 2024-0.01%
Q4 20240.10%
Q1 2025-0.14%
Q2 2025-0.03%
Q3 20250.01%
Q4 20250.05%
Q1 2026-0.23%
Q2 20260.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$85.8M12.78%0.84%0.22%60.9%
Q1 202666$84.2M12.86%1.05%-0.23%57.5%
Q4 202569$83.9M12.96%1.09%0.05%50.3%
Q3 202564$84.3M12.85%1.47%0.01%49.6%
Q2 202564$83.9M12.89%1.47%-0.03%50.0%
Q1 202562$83.8M12.89%1.60%-0.14%50.1%
Q4 202463$83.5M12.98%1.76%0.10%51.1%
Q3 202461$84.1M12.77%1.81%-0.01%50.3%
Q2 202459$84.4M12.73%2.02%0.00%50.1%

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 ratio12.78%
38th
Problem loans0.84%
45th
Net charge-offs0.04%
64th
Return on assets0.22%
28th
Loans to deposits60.9%
47th
Uninsured deposits1.8%
46th
Loan-loss reserves0.00%
37th
Texas ratio3.3%
40th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
B-M S Federal Credit UnionCredit union New Brunswick, NJ80 out of 100, Strong$81.7M21.1%0.54%vs
Central Jersey Federal Credit UnionCredit union Woodbridge, NJ67 out of 100, Moderate$93.2M10.6%0.98%vs
Irco Community Federal Credit UnionCredit union Phillipsburg, NJ78 out of 100, Strong$93.7M10.1%0.01%vs
Rutgers Federal Credit UnionCredit union New Brunswick, NJ85 out of 100, Very strong$77.4M12.6%0.39%vs
Hoboken School Employees Federal Credit UnionCredit union Hoboken, NJ72 out of 100, Strong$75.6M20.5%1.36%vs
Bay Atlantic Federal Credit UnionCredit union Vineland, NJ66 out of 100, Moderate$97.1M8.9%0.23%vs

Deposit insurance

Is my money safe at Union Building Trades Federal Credit Union?

Yes. Union Building Trades Federal Credit Union is a federally insured credit union (NCUA charter #21244). 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 1.8% of shares and deposits ($1.3M) 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 12.78%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Union Building Trades Federal Credit Union
Type
Federal credit union
NCUA charter #
21244
RSSD ID
655286
Primary regulator
NCUA
Established
1973
Headquarters
PO Box 6270, Parsippany, NJ 07054
Employees
17

Quick answers

Union Building Trades Federal Credit Union: common questions

Is Union Building Trades Federal Credit Union NCUA insured?

Yes. Union Building Trades Federal Credit Union is a federally insured credit union (NCUA charter #21244). 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 Union Building Trades 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 Union Building Trades Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Parsippany

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
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
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
Lusitania Savings BankBank Newark, NJ86 out of 100, Very strong$418.1M15.0%0.19%vs