Sep, 30, 2025 — MERCER COUNTY NJ TEACHERS FEDERAL CREDIT UNION is a federal credit union headquartered in HAMILTON SQUARE, NJ with 1 branch location and about $47.47 million in total assets. Opened 90 years ago in 1936, MERCER COUNTY NJ TEACHERS FEDERAL CREDIT UNION has about 3,723 members and employs 5 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | MERCER COUNTY NJ TEACHERS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2271 Highway 33 Ste 108 HAMILTON SQUARE, NJ 08690 |
| Phone: | (609) 586-6669 |
| Fax: | (609) 586-1142 |
| Website: | https://www.mcnjtfcu.org |
| Branches: | 1 branch locations |
| Members: | 3,723 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 1351 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1936 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $47,467,248 |
| CEO/Manager: | Adam Romero |
| Chairperson: | George F Smith |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,425,846 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 14,880,235 |
| Unsecured Loans | 1,341,946 |
| Other Loans | 7,156,165 |
| TOTAL LOANS | 23,378,346 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -45,218 |
| Land And Building | 438,550 |
| Other Fixed Assets | 25,299 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 390,982 |
| All Other Assets | 0 |
| TOTAL ASSETS | 47,467,248 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 109,546 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 110,457 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 5,625,680 |
| Regular shares | 20,510,128 |
| All Other Shares & Deposits | 14,975,733 |
| TOTAL SHARES & DEPOSITS | 41,111,540 |
| TOTAL LIABILITIES | 41,331,543 |
| Regular Reserve | 0 |
| Other Reserves | -457,298 |
| Undivided Earnings | 6,593,003 |
| TOTAL EQUITY | 6,135,705 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 47,467,248 |
| INCOME & EXPENSE | |
| Loan Income | 1,034,845 |
| Investment Income | 672,309 |
| Other Income | 30,490 |
| Total Employee Compensation & Benefits | 258,878 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 438,329 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 2,429 |
| Cost of Funds | 362,112 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 777,462 |
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