Federal credit union · Bayonne, New Jersey · NCUA charter #6443
Bayonne City Employees
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $3.9M
- Total assets
- 711
- Members
- 27.5%
- Net-worth ratio
Bayonne City Employees scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.9M; members 711; net-worth ratio 27.54%; health rank #2,511 of 4,374; healthier than 39th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,511 of 4,374 health · 2025Q4Bayonne City Employees · health 81/100 · $3.9M · 2025Q4
Call Report peers
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Bayonne City Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Bayonne City Employees sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Bayonne City Employees vs $2M–$10M peers
- Loan-to-Share Ratio leads the peer set - 78.62% here, 63.60% peer average (+15.02 pp).
- Widest shortfall vs peers is Return on Assets: -0.66 pp (-0.21% vs 0.45%).
Bayonne City Employees: in-state Call Report ranks
- In New Jersey, health place is #35 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #110 of 127 inside New Jersey ($3.9M reported).
- New Jersey membership ordinal: #103 of 127.
- One place up in New Jersey, First Harvest (#34) scores 82/100, 1 point higher; one place down, Erie Lackawanna Railroad Co Emp (#36) ties at 81/100.
Quarter path for Bayonne City Employees
Bayonne City Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $3.9M (2025Q4) to $4.1M (2026Q1).
- Net-worth ratio shifted -1.12 pp (28.66% → 27.54%).
27.54% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Bayonne City Employees gives up 19 points in total. Return on Assets costs the most, 12.4 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.3 pts
- Return on Assets 2.6 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Bayonne City Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 27.54% | +8.48 pp |
| Delinquency Rate | 0.57% | -1.24 pp |
| Return on Assets | -0.21% | -0.66 pp |
| Member Growth | 0.42% | - |
| Loan-to-Share Ratio | 78.62% | +15.02 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Bayonne City Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.1M | - |
| 2025Q4 | $3.9M | 711 |
| 2024Q4 | $4.1M | 708 |
| 2023Q4 | $4.6M | 714 |
Credit Union Details
- Charter Number
- 6443
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- Bayonne
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Bayonne City Employees runs one office.
| Office | City |
|---|---|
| Bayonne City Employees FCU (Main Office) | Bayonne, 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 Bayonne City Employees
Similar health score
Using this data
- Bayonne City Employees ranks #2,511 of 4,374 nationally on financial health and #35 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- METREX is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with METREX
Frequently Asked Questions
Is Bayonne City Employees financially healthy?
Bayonne City Employees has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,511 of 4,374 nationally on health and #35 of 127 in New Jersey. Its net worth ratio is 27.54% and its delinquency rate 0.57%.
How does Bayonne City Employees compare to other credit unions?
Bayonne City Employees scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (78.62% vs 63.60%). Its widest shortfall is return on assets (-0.21% vs 0.45%).
How can I join Bayonne City Employees?
Bayonne City Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Bayonne City Employees directly to confirm current membership steps.
Is my money safe at Bayonne City Employees?
Bayonne City Employees 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. Bayonne City Employees's net worth ratio of 27.54% 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.