Federal credit union · Bayonne, New Jersey · NCUA charter #6443
Bayonne City Employees
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $3.9M
- Total assets
- 711
- Members
- 28.7%
- Net-worth ratio
Bayonne City Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #6443: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Bayonne City Employees - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)97
- Earnings (ROA)17
- Member growth63
- Liquidity (loan-to-share)100
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
28.66% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 28.66% | 30% |
| Delinquency Rate | 0.57% | 25% |
| Return on Assets | -0.21% | 15% |
| Member Growth | 0.42% | 15% |
| Loan-to-Share Ratio | 78.62% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Bayonne City Employees
Bayonne City Employees is a federal credit union headquartered in Bayonne, New Jersey, serving 711 members with $3.9M in total assets and $2.2M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 81/100 (Excellent), anchored by a net worth ratio of 28.66% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #6443 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
0.57% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 78.62% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.21% on net income of $-8246 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.42%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Low Income); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Bayonne City Employees financially healthy?
Bayonne City Employees has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 28.66% and delinquency rate of 0.57%.
How does Bayonne City Employees compare to other credit unions?
On PlainCU's health composite, Bayonne City Employees lands at 81/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Bayonne City Employees 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. Bayonne City Employees's net worth ratio of 28.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bayonne City Employees offer compared to banks?
Credit unions like Bayonne City Employees 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 Bayonne City Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.