Total Assets
$4.0B
Total Deposits
$3.0B
Branches
28
Established
1939
Spencer Savings Bank, SLA is a bank headquartered in Elmwood Park, New Jersey, established in 1939. It holds $4.0B in total assets across 28 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Spencer Savings Bank, SLA earns a TFS Financial Health Grade of C+ (69.1/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
69.1 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Spencer Savings Bank, SLAHQ | 611 River Dr | Elmwood Park | NJ | 11 |
| Spencer Savings Bank, SLA | 1 Towne Ctr | Cliffside Park | NJ | 11 |
| Spencer Savings Bank, SLA | 920 Van Houten Ave | Clifton | NJ | 11 |
| Spencer Savings Bank, SLA | 437 Piaget Ave | Clifton | NJ | 11 |
| Spencer Savings Bank, SLA | 213 South Ave E | Cranford | NJ | 11 |
| Spencer Savings Bank, SLA | 6 Madison Ave # 20 | Cresskill | NJ | 11 |
| Spencer Savings Bank, SLA | 562 Washington Ave | Dumont | NJ | 11 |
| Spencer Savings Bank, SLA | 2 Pembroke Pl | Edgewater | NJ | 11 |
| Spencer Savings Bank, SLA | 3900 Park Avenue | Edison | NJ | 11 |
| Spencer Savings Bank, SLA | 618 Bayway Ave | Elizabeth | NJ | 11 |
| Spencer Savings Bank, SLA | 680 River Dr | Elmwood Park | NJ | 11 |
| Spencer Savings Bank, SLA | 200 Campus Town Cir | Ewing | NJ | 11 |
| Spencer Savings Bank, SLA | 34 Outwater Ln | Garfield | NJ | 11 |
| Spencer Savings Bank, SLA | 104 Passaic St | Garfield | NJ | 11 |
| Spencer Savings Bank, SLA | 240 Essex St | Hackensack | NJ | 11 |
| Spencer Savings Bank, SLA | 107 S Main St | Lodi | NJ | 11 |
| Spencer Savings Bank, SLA | 230 Ridge Rd | Lyndhurst | NJ | 11 |
| Spencer Savings Bank, SLA | 375 Franklin Ave | Nutley | NJ | 11 |
| Spencer Savings Bank, SLA | 242 Oradell Ave | Paramus | NJ | 11 |
| Spencer Savings Bank, SLA | 1699 Littleton Rd | Parsippany | NJ | 11 |
| Spencer Savings Bank, SLA | 140 Market St | Saddle Brook | NJ | 11 |
| Spencer Savings Bank, SLA | 487 Market St | Saddle Brook | NJ | 11 |
| Spencer Savings Bank, SLA | 1350 Galloping Hill Rd Spc 2 | Union | NJ | 11 |
| Spencer Savings Bank, SLA | 219 Maple Ave | Wallington | NJ | 11 |
| Spencer Savings Bank, SLA | 183 Hamburg Tpke | Wayne | NJ | 11 |
| Spencer Savings Bank, SLA | 810 Bloomfield Avenue | West Caldwell | NJ | 11 |
| Spencer Savings Bank, SLA | 240 North Ave W # 244 | Westfield | NJ | 11 |
| Spencer Savings Bank, SLA | 177 Valley Blvd | Wood Ridge | NJ | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
69.1
Tier 1 capital ratio
11.23%
Return on assets
0.63%
Non-performing loans
0.58%
Efficiency ratio
66.68%
Asset growth (YoY)
1.35%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.