TellerScore

Headquartered in Elizabeth, New Jersey, Union County Employees Federal Credit Union is a federal credit union with $6.9M in total assets and $5.3M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1961.

Union County Employees Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 44% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 52nd. Capital cushion contributes the most (100/100, 22.61%); loan quality contributes the least (33/100, 2.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 22.61%
Loan quality33/100
Loans 60+ days delinquent ÷ total loans: 2.01%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity100/100
Loans ÷ shares: 28.0% · 0.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.79%

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 5 points (77 → 72), mostly because the earnings component weakened by 15 points.

TellerScore
677378Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202475
Q4 202478
Q1 202567
Q2 202577
Q3 202574
Q4 202577
Q1 202678
Q2 202672
Net worth ratio
7.00%14.88%22.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.83%
Q3 202420.16%
Q4 202421.17%
Q1 202521.26%
Q2 202521.95%
Q3 202521.92%
Q4 202522.46%
Q1 202622.77%
Q2 202622.61%
Delinquent loans (60+ days)
1.43%2.05%2.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.25%
Q3 20242.37%
Q4 20241.90%
Q1 20252.66%
Q2 20251.77%
Q3 20252.13%
Q4 20251.64%
Q1 20261.43%
Q2 20262.01%
Return on assets
0.60%1.02%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.42%
Q3 20241.43%
Q4 20241.30%
Q1 20250.78%
Q2 20250.96%
Q3 20250.98%
Q4 20250.89%
Q1 20260.73%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$6.9M22.61%2.01%0.60%28.0%
Q1 202678$6.8M22.77%1.43%0.73%30.8%
Q4 202577$6.8M22.46%1.64%0.89%34.6%
Q3 202574$7.0M21.92%2.13%0.98%33.3%
Q2 202577$6.9M21.95%1.77%0.96%35.6%
Q1 202567$7.0M21.26%2.66%0.78%34.8%
Q4 202478$7.0M21.17%1.90%1.30%37.2%
Q3 202475$7.2M20.16%2.37%1.43%33.9%
Q2 202476$7.2M19.83%2.25%1.42%33.4%

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 ratio22.61%
84th
Problem loans2.01%
21st
Net charge-offs1.33%
10th
Return on assets0.60%
47th
Loans to deposits28.0%
91st
Uninsured deposits0.0%
81st
Loan-loss reserves7.37%
97th
Texas ratio1.8%
55th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Linden NJ Police & Firemen Federal Credit UnionCredit union Linden, NJ86 out of 100, Very strong$6.9M32.2%0.60%vs
Elizabeth (N.J.) Firemen'S Federal Credit UnionCredit union Elizabeth, NJ64 out of 100, Moderate$7.1M11.6%1.16%vs
Ocnac #1 Federal Credit UnionCredit union Jersey City, NJ68 out of 100, Moderate$7.1M12.4%2.02%vs
Public Service H C Employees Federal Credit UnionCredit union Brick, NJ74 out of 100, Strong$7.1M39.5%1.89%vs
New Jersey State Pba Federal Credit UnionCredit union Woodbridge, NJ71 out of 100, Strong$7.2M15.5%0.41%vs
Fort Dix Federal Credit UnionCredit union Joint Base MDL, NJ46 out of 100, Below average$7.3M10.7%4.54%vs

Deposit insurance

Is my money safe at Union County Employees Federal Credit Union?

Yes. Union County Employees Federal Credit Union is a federally insured credit union (NCUA charter #14329). 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 22.61%, 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

Union County Employees Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Union County Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
14329
RSSD ID
217880
Primary regulator
NCUA
Established
1961
Headquarters
10 Elizabethtown Plz - Fl3, Elizabeth, NJ 07202
Employees
3

Quick answers

Union County Employees Federal Credit Union: common questions

Is Union County Employees Federal Credit Union NCUA insured?

Yes. Union County Employees Federal Credit Union is a federally insured credit union (NCUA charter #14329). 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 County Employees Federal Credit Union's TellerScore?

72 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 County Employees Federal Credit Union have?

3 offices as of the latest NCUA data.

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
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
Local 1233 Federal Credit UnionCredit union Newark, NJ88 out of 100, Very strong$14.1M17.9%0.27%vs