States
Credit unions in New Jersey: the best and largest of 126, compared
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All 126 filers based in New Jersey, largest first. Sort them by what matters to you.
Credit unions by state, from the federal filings
New Jersey: credit unions that match
126
| Their members | 948K |
| Their assets | $15.3B |
| First on this sort | Affinity Federal Credit Union |
| Credit union | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|
| Affinity Federal Credit UnionBasking Ridge | $4.35B | 249K | 8.14% | 0.93% | 22 | 4/5 |
| Merck Employees Federal Credit UnionRahway | $1.69B | 24K | 15.45% | 0.30% | 3 | 4/5 |
| Financial Resources Federal Credit UnionBranchburg | $659M | 31K | 8.86% | 3.35% | 10 | 4/5 |
| Credit Union of New JerseyEwing | $513M | 39K | 10.60% | 0.93% | 4 | 4/5 |
| Proponent Federal Credit UnionNutley | $509M | 19K | 14.49% | 1.22% | 3 | 3/5 |
| Garden Savings Federal Credit UnionParsippany | $496M | 30K | 8.45% | 1.29% | 7 | 3/5 |
| First Harvest Federal Credit Union (First Harvest Credit Union)Deptford | $484M | 50K | 8.01% | 0.96% | 7 | 4/5 |
| Picatinny Federal Credit UnionDover | $459M | 20K | 9.42% | 0.70% | 5 | 4/5 |
| First Atlantic Federal Credit UnionEatontown | $332M | 19K | 13.81% | 0.79% | 5 | 3/5 |
| United Teletech Financial Federal Credit UnionTinton Falls | $328M | 18K | 9.00% | 0.84% | 6 | 3/5 |
NCUA Call Report, June 30, 2026. Delinquency: loans two or more months late, as a share of loans. Checks: our own five data checks, not an NCUA rating; membership rules are not in this file, so confirm them with the credit union. Everything you enter stays in this browser: nothing is sent or stored.
126 credit unions based in New Jersey filed 948K members and $15.3B in assets with the National Credit Union Administration for June 30, 2026. New Jersey has 126 filers for just 948K members, a thin spread. 82 report under $50 million, and only Affinity Federal Credit Union and Merck Employees Federal Credit Union exceed $1 billion. Nearly all, 121, hold federal charters. Combined net worth, 10.92%, sits near the national 11.42%. Loans two months late or worse come to 1.18%, close to the national 0.96%. 2 federally insured filers report net worth under the 7% line of the federal capital rule. 72 filers report one branch or none, the highest share. Vehicle loans count for little, 16.3% of loans against 27.5% nationally, the 6th lowest share. Each reported branch has 3,630 members on average, the 7th lowest load. Offices by city: Newark (12), Jersey City (10), Elizabeth (8), Trenton (8), out of 153 places in 21 counties. Gone since last year: United Cities CU ($25M), Entertainment Industries FCU ($15M), Newark Firemen FCU ($8.9M), Middlesex County N J Emp FCU ($7.8M), the largest of 6. Latest charter: New Jersey State PBA Federal Credit Union, 2024. The file does not say who may join any of them, or why a charter stopped filing.
Offices of credit unions based elsewhere
New Jersey: all member-service offices
273
| Of credit unions based elsewhere | 48 |
| Number of those credit unions | 15 |
| Based in the state | 126 |
Filings read by Radif Partners · Editorial policy · Method and sources
Plenty of filers, few members, and a New York neighbor
Many names point to one employer, one town government or one union, and Merck Employees Federal Credit Union shows what that looks like at scale, with 24K members. Nineteen carry the minority depository flag. Delinquency at 1.18% is above the national rate. Visions Federal Credit Union, based in New York, has 16 offices here, the largest outside presence.
Highest net worth (over $100 million): Advanced Financial FCU, 15.67%. Fewest late loans: Nova UA FCU, 0.17%. Affinity FCU leads on members, 249K, and branches, 22. Largest member change: North Jersey FCU, +10.55%. Next by assets: Credit Union of New Jersey, Proponent FCU, Garden Savings FCU, First Harvest FCU, Picatinny FCU, First Atlantic FCU. Smallest: Heard A.M.E. FCU, Israel Memorial A M E FCU, Camden Firemen's FCU. Under 7% net worth: United Poles FCU, Hamilton Horizons FCU. Minority depository flag: N.J.T. Employees FCU, Essex County Teachers FCU, Division 819 Transit Employees CU, Local 1233 FCU and 15 more. Largest outside presence: Visions FCU, from NY, 16 offices.
Seaport FCU (48.2%) leans most on vehicle loans, Merck Employees FCU (79.9%) on first-lien home loans, Liberty Savings FCU (11.8%) on cards. Oldest charters: Newark Post Office Employees CU, 1924; Postal Employees CU, 1928; Monmouth County Postal Employees CU, 1928. First Point FCU lost the most members in percentage terms, -29.55%, among those over $10 million.
Rank among the 50 states and DC
| Measure | New Jersey | Rank | All filers |
|---|---|---|---|
| Vehicle loans, share of loans | 16.3% | 6th lowest | 27.5% |
| First-lien home loans, share of loans | 43.5% | 8th highest | 36.6% |
| Credit cards, share of loans | 3.0% | 20th highest | 4.9% |
| Commercial loans without real estate, share of loans | 1.0% | 22nd highest | 0.8% |
| Loans as a share of shares and deposits | 73.6% | 10th lowest | |
| Assets per member | $16,163 | 17th lowest | |
| Members per reported branch | 3,630 | 7th lowest | |
| Members per employee (full- and part-time) | 391 | 12th highest | |
| Filers with one branch or none | 57.1% | Highest | |
| Three largest names, share of assets | 43.7% | 19th lowest | |
| Fall in filer count over 12 months | 4.5% | 18th highest | |
| Median year a charter opened | 1952 | 14th lowest |
The largest in New Jersey
| Credit union | City | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|---|
| Affinity Federal Credit Union | Basking Ridge | $4.35B | 249K | 8.14% | 0.93% | 22 | 4/5 |
| Merck Employees Federal Credit Union | Rahway | $1.69B | 24K | 15.45% | 0.30% | 3 | 4/5 |
| Financial Resources Federal Credit Union | Branchburg | $659M | 31K | 8.86% | 3.35% | 10 | 4/5 |
| Credit Union of New Jersey | Ewing | $513M | 39K | 10.60% | 0.93% | 4 | 4/5 |
| Proponent Federal Credit Union | Nutley | $509M | 19K | 14.49% | 1.22% | 3 | 3/5 |
| Garden Savings Federal Credit Union | Parsippany | $496M | 30K | 8.45% | 1.29% | 7 | 3/5 |
| First Harvest Federal Credit Union (First Harvest Credit Union) | Deptford | $484M | 50K | 8.01% | 0.96% | 7 | 4/5 |
| Picatinny Federal Credit Union | Dover | $459M | 20K | 9.42% | 0.70% | 5 | 4/5 |
| First Atlantic Federal Credit Union | Eatontown | $332M | 19K | 13.81% | 0.79% | 5 | 3/5 |
| United Teletech Financial Federal Credit Union | Tinton Falls | $328M | 18K | 9.00% | 0.84% | 6 | 3/5 |
| Edifi Federal Credit Union | Willingboro, | $262M | 26K | 9.27% | 0.72% | 6 | 3/5 |
| North Jersey Federal Credit Union | Totowa | $256M | 27K | 10.53% | 0.89% | 4 | 4/5 |
| Greater Alliance Federal Credit Union | Paramus | $248M | 22K | 8.83% | 1.58% | 3 | 4/5 |
| Jersey Shore Federal Credit Union | Northfield | $246M | 16K | 9.76% | 0.29% | 5 | 4/5 |
| The Atlantic Federal Credit Union | Springfield | $235M | 15K | 13.59% | 3.51% | 2 | 2/5 |
| XCEL Federal Credit Union | Bloomfield | $186M | 12K | 10.93% | 0.99% | 3 | 3/5 |
| First Financial Federal Credit Union | Freehold | $176M | 14K | 8.30% | 2.78% | 4 | 3/5 |
| Princeton Federal Credit Union | Princeton | $169M | 8,807 | 10.02% | 0.95% | 1 | 4/5 |
| Riegel Federal Credit Union | Milford | $168M | 8,066 | 10.36% | 1.77% | 4 | 3/5 |
| Nova UA Federal Credit Union | Clifton | $156M | 3,680 | 13.85% | 0.17% | 2 | 4/5 |
| Campbell Federal Credit Union | Maple Shade | $139M | 11K | 14.27% | 1.36% | 6 | 2/5 |
| County Excellence Federal Credit Union | Roselle Park | $138M | 8,460 | 8.45% | 1.37% | 2 | 3/5 |
| Healthcare Employees Federal Credit Union | Princeton | $137M | 15K | 13.58% | 0.62% | 2 | 5/5 |
| Liberty Savings Federal Credit Union | Jersey City | $135M | 18K | 11.68% | 2.09% | 5 | 3/5 |
| Members 1st of NJ Federal Credit Union | Vineland | $134M | 13K | 9.57% | 0.65% | 3 | 5/5 |
Offices run from other states
| Credit union | Based in | Offices here | Total assets | Net worth |
|---|---|---|---|---|
| Visions Federal Credit Union | NY | 16 | $5.53B | 10.00% |
| Polish & Slavic Federal Credit Union | NY | 7 | $2.74B | 11.32% |
| American Heritage Federal Credit Union | PA | 5 | $5.36B | 8.54% |
| Police & Fire Federal Credit Union | PA | 3 | $10.2B | 18.56% |
| Andrews Federal Credit Union | MD | 3 | $2.69B | 10.62% |
| Selfreliance Federal Credit Union | IL | 3 | $1.19B | 12.27% |
| Navy Federal Credit Union | VA | 2 | $204.4B | 11.65% |
| Ukrainian National Federal Credit Union | NY | 2 | $155M | 12.76% |
| Pentagon Federal Credit Union | VA | 1 | $29.2B | 10.72% |
| FourLeaf Federal Credit Union | NY | 1 | $14.4B | 9.12% |
| Self Reliance Financial Federal Credit Union | NY | 1 | $2.04B | 17.16% |
| First Commonwealth Federal Credit Union | PA | 1 | $1.47B | 10.12% |
In figures
| Measure | New Jersey | Federally insured, US |
|---|---|---|
| Credit unions | 126 | 4,214 |
| Members | 948K | 146.11M |
| Assets | $15.3B | $2.50T |
| Net worth ratio | 10.92% | 11.42% |
| Delinquency | 1.18% | 0.96% |
| Same-charter members, 12 months | +1.02% | n/a |
| Same-charter assets, 12 months | +1.73% | n/a |
| Filers a year earlier | 132 | n/a |
| Federal charters | 121 | 2,649 |
| State charters | 5 | 1,650 |
| Minority depository flag | 19 | 454 |
Who can join
The federal file does not list who may join, and we have not verified the rules of any name on this list. Each one can tell you itself. How to join sets out the steps.