Credit union · NCUA insured
B-M S Federal Credit Union
Top CarrotA $86.1M credit union headquartered in New Brunswick, NJ, with 3,591 members and 3 branches in New Jersey. Best rates: CDs 4.28% and savings 1.91% APY.
B-M S Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#7 of 30 in Trenton, NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About B-M S Federal Credit Union
- Headquarters
- 1 Squibb Dr, New Brunswick, NJ 08901-1588
- NCUA charter
- 9146
Branches
3 branches in New Jersey
Loading map…
New Jersey
3 branches
Trenton area · 2
- Princton Pike3401 Princeton Pike Rm B1022, Lawrenceville, NJ 08648Directions
- Lawrenceville3551 Lawrenceville Rd, Room A.119, Princeton, NJ 08540Directions
New York area · 1
- New Brunswick1 Squibb Dr, New Brunswick, NJ 08901Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 21.09% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.54% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.14% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $38 | $59 | — |
- CapitalNet worth ratio21.09%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.54%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.14%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$38Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of B-M S Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.