Federal credit union · Swedesboro, New Jersey · NCUA charter #1166
1166
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $18.0M
- Total assets
- 1,261
- Members
- 8.2%
- Net-worth ratio
1166 scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.0M; members 1,261; net-worth ratio 8.19%; health rank #3,301 of 4,374; healthier than 24th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,301 of 4,374 health · 2025Q41166 · health 75/100 · $18.0M · 2025Q4
- NW 75/100
- DELQ 8.2%
- ROA 0.38%
- ASSETS -1.28%
- MEM $18.0M
- RANK 1,261
- PHOTO #3,301/4,374
- BOOK Victoria Teachers
- CHARTER 1166
Call Report peers
1166 in the assets neighbourhood
1166's $18.0M assets sit next to Victoria Teachers ($18.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
1166 vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
1166 - Share Insurance Coverage
Charter #1166's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for 1166
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.76 pp (0.38% vs 1.15%).
- Widest shortfall vs peers is Net Worth Ratio: -6.67 pp (8.19% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
1166: in-state Call Report ranks
- In New Jersey, health place is #61 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, 1166 is #69 of 127 in New Jersey.
- Member book place in New Jersey: #77 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
1166: 2025Q4 → 2026Q1
1166: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.0% from $18.0M (2025Q4) to $18.9M (2026Q1).
- Net-worth ratio shifted -0.41 pp (8.60% → 8.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 25.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 13.4 pts
- Loan-to-Share Ratio 11.1 pts
Call Report ratios for 1166
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.19% | -6.67 pp |
| Delinquency Rate | 0.38% | -0.76 pp |
| Return on Assets | -1.28% | -1.98 pp |
| Member Growth | 3.70% | - |
| Loan-to-Share Ratio | 53.37% | -6.43 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
1166 filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.9M | - |
| 2025Q4 | $18.0M | 1,261 |
| 2024Q4 | $19.5M | 1,216 |
| 2023Q4 | $20.2M | 1,147 |
Credit Union Details
- Charter Number
- 1166
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Swedesboro
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, 1166 runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| 1166 FCU (Main Office) | Swedesboro, NJ |
| CU*Answers | Grand Rapids, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for 1166, both outside New Jersey so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- 1166 ranks #3,301 of 4,374 nationally on financial health and #61 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Energy People is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Energy People
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 1166 financially healthy?
Yes/no aside, the number is 75/100 (Very Good) - 1166's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,301 of 4,374; by total assets it ranks #3,211 of 4,374 nationally (same basis as /rankings/largest); and #69 of 127 within New Jersey. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.19% net worth ratio and 0.38% delinquency rate are the key drivers.
How does 1166 compare to other credit unions?
Five weighted metrics from NCUA filings produce 1166's 75/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join 1166?
1166 operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact 1166 directly for the exact boundaries and application steps.
Is my money safe at 1166?
Federal credit unions like 1166 are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 1166's net worth ratio of 8.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 1166 offer compared to banks?
Credit unions like 1166 are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 1166 directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.