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The Lender Report built this page from public records. Financial Resources Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Financial Resources Credit Union itself. Each figure shows its source and date. Work at Financial Resources Credit Union? You can claim this page for free.
Credit union, Branchburg, NJ
Financial Resources Credit Union
A credit union based in Branchburg, NJ. Its commercial book is led by owner-occupied CRE and C&I. Public files show recent 1-4 unit investor, SBA 7(a) and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $107M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 13
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 57
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $659M
- NCUA 5300,
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How to reach them
Each line shows where it came from
- Phone
- 800-933-3280 From the NCUA record, June 30, 2026.
- Website
- www.myfinancialresources.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- myfinancialresources.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- FINANCIAL RESOURCES; Financial Resources Federal Credit Union; FINANCIAL RESOURCES FEDERAL CRNCUA 5300,
- Address
- 3040 US Highway 22 Bldg 2, Branchburg, NJ 08876-3594NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Multiple common bond - primarily health care.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Financial Resources Credit Union recorded 24 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 18 in the prior 12 months. SBA FOIA,
| When | What the record shows | Source |
|---|---|---|
| October 21, 2026 | Certified by the CDFI Fund as a Community Development Financial Institution.Membership in a public list, not lending volume. | CDFI Fund certified list, |
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 56 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 8.0% to $63.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 21.7% to $14.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| 2023-10 to 2026-09 | Named as the lender on 1 mortgage recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | New Jersey | SBA 7(a), Supermarkets and Other Grocery Retailers (except Convenience Retailers) | $2.3M | 9% | 25 yr | SBA FOIA | |
| Sep 2026 | New Jersey | SBA 7(a), Convenience Retailers | $1.6M | 8.75% | 25 yr | SBA FOIA | |
| Sep 2026 | New Jersey | SBA 7(a), Accommodation and Food Services | $1.4M | 9% | 25 yr | SBA FOIA | |
| Sep 2026 | New Jersey | SBA 7(a), Beer, Wine, and Liquor Retailers | $620K | 9% | 10 yr | SBA FOIA | |
| Aug 2026 | New York | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $1.5M | 9% | 10 yr | SBA FOIA | |
| Jul 2026 | New Jersey | SBA 7(a), Car Washes | $2.5M | 8.75% | 25 yr | SBA FOIA | |
| Jul 2026 | New Jersey | SBA 7(a), Limited-Service Restaurants | $1.5M | 8.75% | 25 yr | SBA FOIA | |
| Jul 2026 | New York | SBA 7(a), Sporting and Recreational Goods and Supplies Merchant Wholesalers | $850K | 9.25% | 10 yr | SBA FOIA | |
| May 2026 | Pennsylvania | SBA 7(a), Limited-Service Restaurants | $1.7M | 9.25% | 25 yr | SBA FOIA | |
| May 2026 | Illinois | SBA 7(a), Beer, Wine, and Liquor Retailers | $1.4M | 9% | 25 yr | SBA FOIA | |
| May 2026 | New York | SBA 7(a), Other Miscellaneous Nondurable Goods Merchant Wholesalers | $1.2M | 9% | 10 yr | SBA FOIA | |
| Apr 2026 | New Jersey | SBA 7(a), Full-Service Restaurants | $3.8M | 8.75% | 25 yr | SBA FOIA | |
| Apr 2026 | New York | SBA 7(a), Beer, Wine, and Liquor Retailers | $900K | 8.75% | 25 yr | SBA FOIA | |
| Mar 2026 | New Jersey | SBA 7(a), Used Car Dealers | $2.7M | 9% | 25 yr | SBA FOIA | |
| Feb 2026 | Pennsylvania | SBA 7(a), Gasoline Stations with Convenience Stores | $2.1M | 9% | 25 yr | SBA FOIA | |
| Feb 2026 | New Jersey | SBA 7(a), All Other Professional, Scientific, and Technical Services | $620K | 9.25% | 25 yr | SBA FOIA | |
| Feb 2026 | New Jersey | SBA 7(a), Beer, Wine, and Liquor Retailers | $490K | 9.5% | 10 yr | SBA FOIA | |
| Feb 2026 | Pennsylvania | SBA 7(a), Tobacco, Electronic Cigarette, and Other Smoking Supplies Retailers | $270K | 9.5% | 10 yr | SBA FOIA | |
| Jan 2026 | New Jersey | SBA 7(a), Cosmetics, Beauty Supplies, and Perfume Retailers | $750K | 9% | 10 yr | SBA FOIA | |
| Jan 2026 | New Jersey | SBA 7(a), Beer, Wine, and Liquor Retailers | $650K | 9% | 10 yr | SBA FOIA | |
| Dec 2025 | New Jersey | SBA 7(a), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services | $4.9M | 9.25% | 10 yr | SBA FOIA | |
| Dec 2025 | Missouri | SBA 7(a), Custom Computer Programming Services | $4.5M | 9.25% | 10 yr | SBA FOIA | |
| Nov 2025 | New Jersey | SBA 7(a), Other Miscellaneous Durable Goods Merchant Wholesalers | $1M | 9.75% | 10 yr | SBA FOIA | |
| Nov 2025 | New Jersey | SBA 7(a), Drinking Places (Alcoholic Beverages) | $900K | 9.5% | 25 yr | SBA FOIA | |
| Sep 2025 | Illinois | SBA 7(a), Beer, Wine, and Liquor Retailers | $1.4M | 9.75% | 25 yr | SBA FOIA | |
| 57 SBA 7(a) loans since October 2023, net of cancelled | $85.9M | SBA FOIA | |||||
A blank means the source did not report it.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 1 mortgage recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 names Financial Resources Credit Union as the lender, totaling $5.00M.
| Property class | Mortgages | Dollars |
|---|---|---|
| Industrial | 1 | $5.00M |
| Borough | Mortgages |
|---|---|
| Queens | 1 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $3.26M | 0.6% | -34.3% | 10 | $326K |
| Construction and land development | $0 | 0.0% | Not reported | 0 | Not reported |
| Owner-occupied CRE | $63.8M | 12.3% | +8.0% | 80 | $797K |
| Non-owner-occupied CRE | $14.2M | 2.7% | +21.7% | 17 | $836K |
| Farmland | $944K | 0.2% | Not reported | 1 | $944K |
| Commercial and industrial | $25.3M | 4.9% | -6.2% | 64 | $395K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $107M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $108M |
| Q4 2023 | $117M |
| Q1 2024 | $115M |
| Q2 2024 | $109M |
| Q3 2024 | $102M |
| Q4 2024 | $105M |
| Q1 2025 | $107M |
| Q2 2025 | $104M |
| Q3 2025 | $102M |
| Q4 2025 | $99.8M |
| Q1 2026 | $102M |
| Q2 2026 | $107M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 5 | $2.29M | $475K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 57 | $85.9M | $1.00M | $5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 24 | $40.2M | SBA FOIA, | ||
| Real-estate-secured commercial | First half of 2026 | 13 | $16.2M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 1 | $130K | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 10 | $14.0M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 2 | $2.10M | NCUA 5300, | ||
| C&I | First half of 2026 | 6 | $11.5M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number.
| Book | Average loan |
|---|---|
| Multifamily | $326K |
| Owner-occupied CRE | $797K |
| Non-owner-occupied CRE | $836K |
| Farmland | $944K |
| Commercial and industrial | $395K |
| Industry | Loans | Dollars |
|---|---|---|
| Beer, Wine, and Liquor Retailers | 7 | $6.72M |
| Tobacco, Electronic Cigarette, and Other Smoking Supplies Retailers | 7 | $5.12M |
| Full-Service Restaurants | 6 | $8.59M |
Other lenders in these fields: SBA lenders for retail stores, SBA lenders for restaurants.
Programs on record: Federal Home Loan Bank member, New York district (FHFA).
Program lists that name this lender
Membership, not lending volume
- Listed by CDFI Fund: List of Certified CDFIs as: Certified CDFI (October 21, 2026). Certified by the CDFI Fund as a Community Development Financial Institution. Kind of institution: Credit Union. Certification: Certified by the CDFI Fund since 2022-01-10.
Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| New Jersey HQ | 10 | 0 | 5 | 30 | 0 |
| Pennsylvania | 0 | 0 | 0 | 15 | 0 |
| New York | 0 | 0 | 0 | 9 | 0 |
| Illinois | 0 | 0 | 0 | 2 | 0 |
| Missouri | 0 | 0 | 0 | 1 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $80.7M | $40.1M to $104M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $89.5M | $0 to $157M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 110.8% | 0.0% to 179.9% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $8.76M | $4.42M to $13.1M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 29.9% | 0.0% to 80.2% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 78.9% | 52.5% to 79.2% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 56 loans (98.3%)
- Approval to first disbursement
- 29 days, median of 49
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| First Harvest Credit Union | NJ | $484M | $6.92M |
| Garden Savings Credit Union | NJ | $496M | $29.2M |
| United Teletech Financial Credit Union | NJ | $328M | $45.2M |
| Picatinny Credit Union | NJ | $459M | $0 |
| Credit Union of New Jersey, a | NJ | $513M | $26.5M |
| Northland Area Credit Union | MI | $714M | $143M |
| Azura Credit Union | KS | $852M | $22.7M |
| Emblem Credit Union | AL | $628M | $97.5M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Financial Resources Credit Union, NCUA charter 6665. Compare it with the regulator's record. [NCUA profile]
- Balances. $659M in total assets and $107M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 13 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 62 loans in HMDA and SBA files, through September 30, 2026: 5 HMDA 1-4 unit investor 2025, 57 SBA 7(a) in 36 months. [How each file was tied to Financial Resources Credit Union]
- Phone and website. Phone 800-933-3280, from the NCUA record. Website myfinancialresources.org, from the NCUA record. [How to reach them]
- Recorded mortgages, New York City. 1 recorded mortgage in New York City under this name. [Source]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 6665
- RSSD
- 870481
- LEI
- 549300US45HOXL30J494
- The Lender Report ID
- lr_002117
- Main office county
- Somerset
- Members
- 35,209
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $659M in total assets as of June 30, 2026 (NCUA 5300).
- Held $107.4M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $63.8M of owner-occupied commercial real estate loans as of June 30, 2026, up 8.0% from a year earlier (NCUA 5300).
- Held $25.3M of commercial and industrial loans as of June 30, 2026 (NCUA 5300).
- Held $14.2M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 21.7% from a year earlier (NCUA 5300).
- Originated 5 1-4 unit investor or business-purpose loans totaling $2.3M in 2025 (HMDA).
6 more sentences
- Recorded 59 SBA 7(a) approvals totaling $88M from October 1, 2023 to September 30, 2026, of which 2 were later cancelled (SBA).
- Originated 13 real-estate-secured commercial loans totaling $16.2M in the first half of 2026 (NCUA 5300).
- Held $3.7M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 10 offices in 1 state (NCUA).
- Certified by the CDFI Fund as a Community Development Financial Institution. (CDFI Fund list, as of October 21, 2026).
- Named as the lender on 1 mortgage recorded in New York City from 2023-10 to 2026-09, totaling $5M (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, Financial Resources Credit Union, https://lender.report/lender/financial-resources-credit-union-nj/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
- CDFI Fund certified list, October 21, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem