Credit union · NCUA insured
Proponent Federal Credit Union
Top CarrotA $518.6M credit union headquartered in Nutley, NJ, with 18,623 members and 2 branches in 2 states. Best rates: CDs 4.30% and savings 0.75% APY.
Proponent Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 78% of U.S. banks and credit unions
#39 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 Proponent Federal Credit Union
- Headquarters
- 100 Metro Blvd, 4th Floor, Nutley, NJ 07110
- NCUA charter
- 20448
Branches
2 branches in 2 states
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North Carolina
1 branch
- Forestdale Member Service Center3504 Forestdale Dr, Burlington, NC 27215Directions
New Jersey
1 branch
- Kingsland Member Service Center409 Kingsland St, Nutley, NJ 07110Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.49% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.22% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.59% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $95 | $76 | — |
- CapitalNet worth ratio14.49%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.22%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.59%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$95Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Proponent 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.