1St Bergen Federal Credit Union

Overview / Commentary

201-968-0202

95 Main St
Hackensack, NJ 07601

1St Bergen Federal Credit Union is headquartered in Hackensack and is the 126^th largest credit union in the state of New Jersey. It is also the 4,712^th largest credit union in the nation. It was established in 2009 and as of June of 2019, it had grown to 4 employees and 3,025 members at 1 location. 1St Bergen Federal Credit Union has a C health rating.

Field of Membership Restrictions

1st Bergen’s field of membership is open to persons who live, work, worship, volunteer, attend school or conduct business in Bergen County, Paterson, or Jersey City, NJ. Immediate family of current members are also eligible to join.
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Health

Data as of Q2 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. 1St Bergen Federal Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #	24810
Year Chartered	2009
Employees	4
Primary Regulator

Profit Margin
Return on Assets - YTD	0.92%
Return on Equity - YTD	12.59%
Annual Interest Income	$96.00K

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$3.9MM$3.4MM
Loans	Q2 2019vs Q2 2018	$2.5MM$2.5MM
Deposits	Q2 2019vs Q2 2018	$3.6MM$3.1MM
Equity Capital	Q2 2019vs Q2 2018	$286.00K$261.00K
Loan Loss Allowance	Q2 2019vs Q2 2018	$120.00K$108.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$207.00K$234.00K
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Savings
Checking
CD

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1St Bergen Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$5	-	Share Savings
0.10%	-	-	"Club" Savings Accounts
0.10%	-	-	Vacation Club
0.10%	-	-	Teacher's Club
0.10%	-	-	Holiday Club

1St Bergen Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	-	-	Share Draft Checking

1St Bergen Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	$250	-	5 Year Certificate
1.50%	$250	-	4 Year Certificate
1.25%	$250	-	3 Year Certificate
1.00%	$250	-	2 Year Certificate
0.75%	$250	-	1 Year Certificate
0.60%	$250	-	9 Month Certificate
0.50%	$250	-	6 Month Certificate
0.25%	$250	-	3 Month Certificate

Locations

1St Bergen Federal Credit Union Locations
Branch Office	95 Main St	Hackensack, NJ 07601-7126

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