Federal credit union · BAYONNE, New Jersey · NCUA charter #2641
Bayonne School Employees
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $5.7M
- Total assets
- 1,014
- Members
- 8.4%
- Net-worth ratio
Bayonne School Employees scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.7M; members 1,014; net-worth ratio 8.36%; health rank #3,428 of 4,374; healthier than 21st of scored peers.
NCUA Call Report stamp band
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bayonne School Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Bayonne School Employees sits in 70-74 with 317 others.
73 21st percentile higher than 21% 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
Bayonne School Employees: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.39% here, 1.81% peer average (-1.42 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -56.48 pp (7.12% vs 63.60%).
Bayonne School Employees: in-state Call Report ranks
- Health composite ranks #66 of 127 among scored New Jersey credit unions.
- New Jersey assets place: #101 of 127.
- Membership ranks #88 of 127 among New Jersey CUs with a reported count (1,014 members).
- One place up in New Jersey, Garden Savings (#65) ties at 73/100; one place down, Messiah Baptist Church (#67) ties at 73/100.
Bayonne School Employees Call Report trajectory
Bayonne School Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +32.9% from $5.7M (2025Q4) to $7.6M (2026Q1).
- Net-worth ratio shifted -2.54 pp (10.90% → 8.36%).
This credit union's 8.36% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 73/100 score is built
Bayonne School Employees gives up 27 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 25.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.1 pts
Bayonne School Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.36% | -10.70 pp |
| Delinquency Rate | 0.39% | -1.42 pp |
| Return on Assets | 0.71% | +0.26 pp |
| Member Growth | -5.32% | - |
| Loan-to-Share Ratio | 7.12% | -56.48 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Bayonne School Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.6M | - |
| 2025Q4 | $5.7M | 1,014 |
| 2024Q4 | $5.5M | 1,071 |
| 2023Q4 | $5.3M | 746 |
Credit Union Details
- Charter Number
- 2641
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- BAYONNE
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Bayonne School Employees.
| Office | City |
|---|---|
| Main Office (Main Office) | Bayonne, NJ |
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
Similar health score
Using this data
- Bayonne School Employees ranks #3,428 of 4,374 nationally on financial health and #66 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- N. J. Latvian is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with N. J. Latvian
Frequently Asked Questions
Is Bayonne School Employees financially healthy?
Bayonne School Employees has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,428 of 4,374 nationally on health and #66 of 127 in New Jersey. Its net worth ratio is 8.36% and its delinquency rate 0.39%.
How does Bayonne School Employees compare to other credit unions?
Bayonne School Employees scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.39% vs 1.81%). Its widest shortfall is loan-to-share ratio (7.12% vs 63.60%).
How can I join Bayonne School Employees?
Bayonne School Employees is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Bayonne School Employees directly to confirm eligibility.
Is my money safe at Bayonne School Employees?
Bayonne School 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 School Employees's net worth ratio of 8.36% 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.