Charter 17969 · Carteret, NJ
Terminals Federal Credit Union
Terminals Federal Credit Union is a federally chartered credit union in Carteret, New Jersey, with $943 thousand in assets and 95 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 38.90%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $943 thousand
- +4.0% in a year
- Members
- 95
- +26.7% in a year
- Net worth ratio
- 38.90%
- Peer median 19.32%
- Loans 60+ days late
- 3.95%
- Peer median 0.66%
- Loans outstanding
- $856 thousand
- +24.1% in a year
- Shares and deposits
- $571 thousand
- +1.9% in a year
- Branches
- 1
- 1 employees
- Opened
- 1967
- Federal charter
How Terminals Federal Credit Union compares
NCUA groups credit unions by size; Terminals Federal Credit Union is in the group with under $2 million in assets (232 credit unions). Its net worth ratio of 38.90% is higher than that group's median of 19.32%, and its share of loans 60 or more days past due, 3.95%, is higher than the group median of 0.66%. Loans grew 24.1% over the year to Q2 2026, against a group median of a 7.3% fall.
By assets it ranks 122 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 | $943 thousand | 95 | $856 thousand | 38.90% | 3.95% |
| Q1 2026 | $964 thousand | 83 | $820 thousand | 37.04% | 4.00% |
| Q4 2025 | $925 thousand | 75 | $803 thousand | 37.54% | 2.31% |
| Q3 2025 | $921 thousand | 75 | $764 thousand | 38.06% | 2.46% |
| Q2 2025 | $907 thousand | 75 | $690 thousand | 38.08% | 2.88% |
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 120 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 2 sites for Terminals 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.
- TFCU (main office)
90 Tennyson St, Carteret, NJ 07008 - Midstate Federal Credit Union
237 Roosevelt Ave, Carteret, NJ 07008
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