Federal credit union · New Brunswick, New Jersey · NCUA charter #9146
B-M S
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $78.4M
- Total assets
- 3,642
- Members
- 19.9%
- Net-worth ratio
B-M S scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $78.4M; members 3,642; net-worth ratio 19.91%; health rank #3,749 of 4,374; healthier than 13th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,749 of 4,374 health · 2025Q4B-M S · health 67/100 · $78.4M · 2025Q4
Call Report peers
B-M S in the assets neighbourhood
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B-M S vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); B-M S sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
B-M S: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +6.29 pp (19.91% vs 13.62%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -30.91 pp (31.69% vs 62.60%).
New Jersey standing for B-M S
- Health composite ranks #91 of 127 among scored New Jersey credit unions.
- New Jersey assets place: #36 of 127.
- Membership ranks #44 of 127 among New Jersey CUs with a reported count (3,642 members).
- One place up in New Jersey, Hoboken N J Police (#90) ties at 67/100; one place down, Advanced Financial (#92) ties at 67/100.
Quarter path for B-M S
B-M S: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +9.9% from $78.4M (2025Q4) to $86.1M (2026Q1).
- Net-worth ratio shifted -2.04 pp (21.95% → 19.91%).
This credit union's 19.91% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 67/100 score is built
B-M S gives up 33 points in total. Return on Assets costs the most, 14.6 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.4 pts
- Member Growth 2.3 pts
- Loan-to-Share Ratio 9.3 pts
Call Report ratios for B-M S
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.91% | +6.29 pp |
| Delinquency Rate | 0.45% | -0.51 pp |
| Return on Assets | -0.46% | -1.12 pp |
| Member Growth | -3.70% | - |
| Loan-to-Share Ratio | 31.69% | -30.91 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
B-M S filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $86.1M | - |
| 2025Q4 | $78.4M | 3,642 |
| 2024Q4 | $82.3M | 3,782 |
| 2023Q4 | $93.7M | 4,143 |
Credit Union Details
- Charter Number
- 9146
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New Jersey
- City
- New Brunswick
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, B-M S runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| New Brunswick (Main Office) | New Brunswick, NJ |
| Princton Pike | Lawrenceville, NJ |
| New Brunswick | New Brunswick, NJ |
| Lawrenceville | Princeton, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
Other-state peers near B-M S
Using this data
- B-M S ranks #3,749 of 4,374 nationally on financial health and #91 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RUTGERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RUTGERS
Frequently Asked Questions
Is B-M S financially healthy?
On its 2025Q4 NCUA 5300 filing, B-M S scores 67/100 (Good), with a 19.91% net worth ratio and 0.45% of loans delinquent. It ranks #3,749 of 4,374 nationally on health and #91 of 127 in New Jersey.
How does B-M S compare to other credit unions?
B-M S scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (19.91% vs 13.62%). Its widest shortfall is loan-to-share ratio (31.69% vs 62.60%).
How can I join B-M S?
B-M S 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 B-M S directly for the exact boundaries and application steps.
Is my money safe at B-M S?
B-M S 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. B-M S's net worth ratio of 19.91% 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.