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Southern Middlesex Co Tchrs Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.40%5-year CD5 Year CD
0.40%1-year CD1 Year CD
0.10%SavingsRegular Share Savings Account

Overview / Commentary
732-238-8662
39 Brunswick Woods Dr
East Brunswick, NJ 08816-5601

Southern Middlesex Co Tchrs Federal Credit Union is headquartered in East Brunswick and is the 55th largest credit union in the state of New Jersey. It is also the 2,666th largest credit union in the nation. It was established in 1939 and as of June of 2016, it had grown to 5 employees and 3,544 members at 1 location. Southern Middlesex Co Tchrs Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to contractual employees of any of the following public school districts in Middlesex County: Cranbury, East Brunswick, Highland Park, Middlesex County Vo-Tech-East Brunswick Campus Only, Milltown, Monroe, New Brunswick, North Brunswick, Old bridge, Sayreville, South Brunswick, South River or Sportswood.
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Health
B
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. Southern Middlesex Co Tchrs Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #3126
Year Chartered1939
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD0.25%
Return on Equity - YTD2.86%
Annual Interest Income$363.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$36.7MM$35.4MM
LoansQ2 2016vs Q2 2015$10.1MM$9.8MM
DepositsQ2 2016vs Q2 2015$33.4MM$32.3MM
Equity CapitalQ2 2016vs Q2 2015$3.2MM$3.1MM
Loan Loss AllowanceQ2 2016vs Q2 2015$45.00K$42.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$73.00K$66.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Southern Middlesex Co Tchrs Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Regular Share Savings Account
0.10%--All Club Accounts

Southern Middlesex Co Tchrs Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$75k*-Money Market Accounts
OTHER TIERS: 0.15% $2,500 - $25k | 0.20% $25k - $75k

Southern Middlesex Co Tchrs Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%$1k-5 Year CD
1.10%$1k-4 Year CD
0.80%$1k-3 Year CD
0.60%$1k-2 Year CD
0.50%$1k-18 Month CD
0.40%$1k-1 Year CD
0.30%$1k-6 Month CD
Locations


Southern Middlesex Co Tchrs Federal Credit Union Locations
Branch Office39 Brunswick Woods DrEast Brunswick, NJ 08816-5601