Federal credit union · Hackensack, New Jersey · NCUA charter #24810
1st Bergen
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $10.6M
- Total assets
- 1,697
- Members
- 27.2%
- Net-worth ratio
1st Bergen scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.6M; members 1,697; net-worth ratio 27.18%; health rank #3,506 of 4,374; healthier than 18th of scored peers.
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NCUA 5300 Call Report Masthead
#3,506 of 4,374 health · 2025Q41st Bergen · health 71/100 · $10.6M · 2025Q4
Call Report peers
1st Bergen in the assets neighbourhood
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1st Bergen vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); 1st Bergen sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where 1st Bergen diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 83.91% vs peer 59.80% (+24.11 pp).
- Largest lag: Delinquency Rate at 4.48% vs peer 1.15% (+3.33 pp).
1st Bergen: in-state Call Report ranks
- Health composite ranks #70 of 127 among scored New Jersey credit unions.
- New Jersey assets place: #82 of 127.
- Member book place in New Jersey: #66 of 127.
- One place up in New Jersey, Bloomfield Fire and Police (#69) scores 72/100, 1 point higher; one place down, East Orange Firemens (#71) ties at 71/100.
1st Bergen Call Report trajectory
1st Bergen: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.8% from $10.6M (2025Q4) to $11.3M (2026Q1).
- Net-worth ratio shifted -1.63 pp (28.81% → 27.18%).
27.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 71/100 score is built
1st Bergen gives up 29 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 15.1 pts
1st Bergen vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 27.18% | +12.32 pp |
| Delinquency Rate | 4.48% | +3.33 pp |
| Return on Assets | 0.74% | +0.03 pp |
| Member Growth | 1.62% | - |
| Loan-to-Share Ratio | 83.91% | +24.11 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
1st Bergen filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.3M | - |
| 2025Q4 | $10.6M | 1,697 |
| 2024Q4 | $10.7M | 1,670 |
| 2023Q4 | $9.5M | 1,827 |
Credit Union Details
- Charter Number
- 24810
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Hackensack
- Data Quarter
- 2025Q4
Branch Locations (3)
1st Bergen operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate (Main Office) | Hackensack, NJ |
| Main Branch/Office | Hackensack, NJ |
| Ocean County | Toms River, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near 1st Bergen
Using this data
- 1st Bergen ranks #3,506 of 4,374 nationally on financial health and #70 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fairleigh Dickinson University is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fairleigh Dickinson University
Frequently Asked Questions
Is 1st Bergen financially healthy?
On its 2025Q4 NCUA 5300 filing, 1st Bergen scores 71/100 (Very Good), with a 27.18% net worth ratio and 4.48% of loans delinquent. It ranks #3,506 of 4,374 nationally on health and #70 of 127 in New Jersey.
How does 1st Bergen compare to other credit unions?
1st Bergen scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (83.91% vs 59.80%). Its widest shortfall is delinquency rate (4.48% vs 1.15%).
How can I join 1st Bergen?
1st Bergen 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 1st Bergen directly for the exact boundaries and application steps.
Is my money safe at 1st Bergen?
1st Bergen is a federal credit union; its shares are federally 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. 1st Bergen's net worth ratio of 27.18% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.