Credit union · NCUA insured
Hoboken School Employees Federal Credit Union
Top CarrotA $73.6M credit union headquartered in Hoboken, NJ, with 1,512 members and 1 branch in New Jersey. Best rates: CDs 4.16% APY.
Hoboken School Employees Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#16 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Hoboken School Employees Federal Credit Union
In operation since 1937, Hoboken School Employees Federal Credit Union is a credit union where members own their own institution.
- Headquarters
- 522 Adams St, Hoboken, NJ 07030-2002
- NCUA charter
- 2155
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Hoboken Elks Lodge #74 members are eligible to join.
Military, government and schools
- Hoboken Board of Education employees are eligible to join.
- Hoboken Parking Authority employees are eligible to join.
Family and household
- Families of eligible groups (Hoboken Board of Education employees, Hoboken Elks Lodge #74 members, and Hoboken Parking Authority employees) are eligible to join.
Branches
1 branch in New Jersey
Loading map…
New Jersey
1 branch
- OfficeMain office522 Adams St, Hoboken, NJ 07030Directions
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 | 20.54% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.36% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.28% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $42 | $59 | — |
- CapitalNet worth ratio20.54%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.36%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.28%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$42Peers’ 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 Hoboken School Employees 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.