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
NCUA 5300 Call Report Masthead
#3,428 of 4,374 health · 2025Q4Bayonne School Employees · health 73/100 · $5.7M · 2025Q4
- ROA 73/100
- ASSETS 8.4%
- MEM 0.39%
- RANK 0.71%
- PHOTO $5.7M
- BOOK 1,014
- CHARTER #3,428/4,374
- NCUSIF n/a
- CAMELS 2641
Bayonne School Employees carries $5.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #2641: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Bayonne School Employees Call Report trajectory
Bayonne School Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +32.9% from $5.7M (2025Q4) to $7.6M (2026Q1).
- Net-worth ratio shifted -2.54 pp (10.90% → 8.36%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Bayonne School Employees's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Bayonne School Employees financially healthy?
Yes/no aside, the number is 73/100 (Very Good) - Bayonne School Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,428 of 4,374; by total assets it ranks #3,815 of 4,374 nationally (same basis as /rankings/largest); and #101 of 127 within New Jersey. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.36% net worth ratio and 0.39% delinquency rate are the key drivers.
How does Bayonne School Employees compare to other credit unions?
On PlainCU's health composite, Bayonne School Employees lands at 73/100, 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 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?
Federal credit unions like Bayonne School 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 School Employees's net worth ratio of 8.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bayonne School Employees offer compared to banks?
Credit unions like Bayonne School 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 School Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.