Carteret, New Jersey · Peer group 1
Terminals Credit Union
Terminals Credit Union holds $964K in assets across 83 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1967. Charter number 17969, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $964K |
|---|---|
| Total loans | $820K |
| Total shares (deposits) | $598K |
| Net worth | $357K |
| Members | 83 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 6.2% | |
|---|---|---|
| Loans | 21.1% | around the 87th percentile of its peer group |
| Deposits | 5.7% | around the 84th percentile of its peer group |
| Members | 10.7% | higher than 97% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 137.2% | higher than 99% of its peer group |
|---|---|---|
| Net worth ratio | 37.0% | around the 87th percentile of its peer group |
| Return on assets | 4.10% | higher than 95% of its peer group |
| Delinquency ratio | 4.00% | around the 71st percentile of its peer group |
| Cash / assets | 19.7% | around the 29th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Terminals Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New Jersey — the comparison set a peer ratio is measured against.
- Messiah Baptist Church Credit Union
East Orange, NJ
$908K · 167 members
- Plainfield Police & Firemen's Credit Union
Plainfield, NJ
$1.2M · 435 members
- Camden Firemen's Credit Union
MOORESTOWN, NJ
$570K · 143 members
- Ocean County Employees Credit Union
Toms River, NJ
$1.5M · 348 members
- Israel Memorial a M E Credit Union
Newark, NJ
$412K · 210 members
- Elizabeth Police Department E Credit Union
ELIZABETH, NJ
$1.7M · 280 members
CUSignals is independent and is not affiliated with, endorsed by, or acting for Terminals Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.