Charter 1015 · Totowa, NJ
North Jersey Federal Credit Union
North Jersey Federal Credit Union is a federally chartered credit union in Totowa, New Jersey, with $256 million in assets and 27,290 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.53%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $256 million
- +10.0% in a year
- Members
- 27,290
- +10.6% in a year
- Net worth ratio
- 10.53%
- Peer median 11.65%
- Loans 60+ days late
- 0.89%
- Peer median 0.70%
- Loans outstanding
- $148 million
- +1.4% in a year
- Shares and deposits
- $235 million
- +9.7% in a year
- Branches
- 4
- 68 employees
- Opened
- 1936
- Federal charter
How North Jersey Federal Credit Union compares
NCUA groups credit unions by size; North Jersey Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.53% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.89%, is higher than the group median of 0.70%. Loans grew 1.4% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 12 of 126 credit unions headquartered in New Jersey. See all New Jersey credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $256 million | 27,290 | $148 million | 10.53% | 0.89% |
| Q1 2026 | $257 million | 27,820 | $151 million | 10.39% | 0.77% |
| Q4 2025 | $253 million | 27,665 | $154 million | 10.12% | 1.10% |
| Q3 2025 | $248 million | 27,604 | $155 million | 10.58% | 0.72% |
| Q2 2025 | $232 million | 24,685 | $146 million | 10.74% | 0.80% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 3.4 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for North Jersey Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Totowa Branch (main office)
711 Union Blvd, Totowa, NJ 07512 - Elmwood Park
444 Mola Blvd, Elmwood Park, NJ 07407 - Newark
186 W Market St, Newark, NJ 07103 - Newark Norman Road Branch
195 Norman Rd, Newark, NJ 07106
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology