| # | Institution | Type | Metro | Assets | Efficiency ratio |
|---|---|---|---|---|---|
| 1 | Five Rivers Bank Paramus, NJ | Bank | New York-Newark-Jersey City, NY-NJ-PA | $78.1M | 464.46% |
| 2 | Liberty Bank of New Jersey Verona, NJ | Bank | New York-Newark-Jersey City, NY-NJ-PA | $107.4M | 211.61% |
| 3 | Postal Employees Credit Union Yardville, NJ | Credit Union | — | $36.7M | 155.58% |
| 4 | N. J. Latvian Federal Credit Union Freehold, NJ | Credit Union | — | $4.9M | 143.97% |
| 5 | New Jersey State Pba Federal Credit Union Woodbridge, NJ | Credit Union | — | $7.1M | 133.11% |
| 6 | Monmouth County Postal Employees Credit Union Red Bank, NJ | Credit Union | — | $21.8M | 125.52% |
| 7 | Peoples Transport Federal Credit Union Mount Ephraim, NJ | Credit Union | — | $11.6M | 121.74% |
| 8 | Teaneck Federal Credit Union |
| Credit Union |
| — |
| $17.1M |
| 121.68% |
| 9 | Community Financial Services Federal Credit Union Roselle, NJ | Credit Union | — | $31.7M | 119.90% |
| 10 | Haven Savings Bank Hoboken, NJ | Bank | New York-Newark-Jersey City, NY-NJ-PA | $986.9M | 115.98% |
| 11 | First Point Federal Credit Union Hamilton, NJ | Credit Union | — | $25.2M | 115.18% |
| 12 | Path Federal Credit Union Jersey City, NJ | Credit Union | — | $14.1M | 113.94% |
| 13 | L'oreal USA Federal Credit Union Clark, NJ | Credit Union | — | $21.1M | 112.92% |
| 14 | Federal Employees Newark Federal Credit Union Newark, NJ | Credit Union | — | $14.8M | 109.08% |
| 15 | Gaf Linden Employees Federal Credit Union Parsippany, NJ | Credit Union | — | $4.2M | 108.63% |
| 16 | Haddon Savings Bank Haddon Heights, NJ | Bank | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD | $421.4M | 106.82% |
| 17 | Parlin Dupont Employees Federal Credit Union Sayreville, NJ | Credit Union | — | $5.3M | 105.94% |
| 18 | Jersey Central Federal Credit Union Cranford, NJ | Credit Union | — | $24.2M | 105.54% |
| 19 | Union Building Trades Federal Credit Union Parsippany, NJ | Credit Union | — | $84.2M | 104.99% |
| 20 | Cenlar FSB Ewing, NJ | Bank | Trenton-Princeton, NJ | $782.0M | 104.13% |
| 21 | Newark Police Federal Credit Union Newark, NJ | Credit Union | — | $5.2M | 101.34% |
| 22 | Liberty Savings Federal Credit Union Jersey City, NJ | Credit Union | — | $135.5M | 101.26% |
| 23 | Paterson Police Federal Credit Union Paterson, NJ | Credit Union | — | $4.7M | 100.76% |
| 24 | Ridgedale Federal Credit Union East Hanover, NJ | Credit Union | — | $100.5M | 100.13% |
| 25 | Elizabeth (N.J.) Firemen's Federal Credit Union Elizabeth, NJ | Credit Union | — | $7.2M | 98.52% |
| 26 | New Community Federal Credit Union Newark, NJ | Credit Union | — | $3.4M | 98.44% |
| 27 | 1166 Federal Credit Union Swedesboro, NJ | Credit Union | — | $18.9M | 98.43% |
| 28 | Xcel Federal Credit Union Bloomfield, NJ | Credit Union | — | $186.0M | 98.43% |
| 29 | Hoboken N J Police Federal Credit Union Hoboken, NJ | Credit Union | — | $10.5M | 98.41% |
| 30 | Seaport Federal Credit Union Elizabeth, NJ | Credit Union | — | $108.3M | 97.75% |
| 31 | West Hudson Teachers Federal Credit Union North Arlington, NJ | Credit Union | — | $5.6M | 97.70% |
| 32 | Fort Billings Federal Credit Union Paulsboro, NJ | Credit Union | — | $64.6M | 97.32% |
| 33 | I.L.A. Local 1235 Federal Credit Union Newark, NJ | Credit Union | — | $7.5M | 96.18% |
| 34 | Essex County Teachers Federal Credit Union Bloomfield, NJ | Credit Union | — | $21.8M | 95.70% |
| 35 | Mid-State Federal Credit Union Carteret, NJ | Credit Union | — | $23.8M | 95.13% |
| 36 | Manville Area Federal Credit Union Manville, NJ | Credit Union | — | $29.8M | 95.03% |
| 37 | B-M S Federal Credit Union New Brunswick, NJ | Credit Union | — | $86.1M | 94.78% |
| 38 | Bayonne City Employees Federal Credit Union Bayonne, NJ | Credit Union | — | $4.1M | 94.55% |
| 39 | 1st Bank of Sea Isle City Sea Isle City, NJ | Bank | Ocean City, NJ | $311.1M | 94.15% |
| 40 | Elizabeth Police Department E Federal Credit Union Elizabeth, NJ | Credit Union | — | $1.7M | 94.00% |
| 41 | H. E. Telephone Federal Credit Union Rochelle Park, NJ | Credit Union | — | $46.1M | 93.92% |
| 42 | First Financial Federal Credit Union Freehold, NJ | Credit Union | — | $175.8M | 93.74% |
| 43 | Edifi Federal Credit Union Rancocas, NJ | Credit Union | — | $258.7M | 93.73% |
| 44 | Maun Federal Credit Union Kendall Park, NJ | Credit Union | — | $3.1M | 93.73% |
| 45 | Members Connect Federal Credit Union Madison, NJ | Credit Union | — | $10.7M | 93.06% |
| 46 | United Teletech Financial Federal Credit Union Tinton Falls, NJ | Credit Union | — | $329.8M | 93.04% |
| 47 | Hamilton Horizons Federal Credit Union Hamilton, NJ | Credit Union | — | $19.4M | 92.17% |
| 48 | New Jersey Community Federal Credit Union Moorestown, NJ | Credit Union | — | $8.7M | 91.96% |
| 49 | Advanced Financial Federal Credit Union New Providence, NJ | Credit Union | — | $108.5M | 91.91% |
| 50 | Motion Federal Credit Union Linden, NJ | Credit Union | — | $62.7M | 91.84% |