Federal credit union · Cedarville, New Jersey · NCUA charter #3476
Bridgeton Onized
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $49.9M
- Total assets
- 7,281
- Members
- 7.5%
- Net-worth ratio
Bridgeton Onized scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $49.9M; members 7,281; net-worth ratio 7.46%; health rank #3,564 of 4,374; healthier than 18th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,564 of 4,374 health · 2025Q4Bridgeton Onized · health 71/100 · $49.9M · 2025Q4
Call Report peers
Bridgeton Onized in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bridgeton Onized vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Bridgeton Onized sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Bridgeton Onized: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +34.44 pp (94.24% vs 59.80%).
- Net Worth Ratio trails the peer set - 7.46% here, 14.86% peer average (-7.40 pp).
Bridgeton Onized: in-state Call Report ranks
- New Jersey health ordinal: #77 of 127.
- Assets rank #43 of 127 inside New Jersey ($49.9M reported).
- New Jersey membership ordinal: #30 of 127.
- One place up in New Jersey, Raritan Bay (#76) ties at 71/100; one place down, Jersey City Police (#78) scores 70/100, 1 point lower.
Bridgeton Onized Call Report trajectory
Bridgeton Onized: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $49.9M (2025Q4) to $50.5M (2026Q1).
- Net-worth ratio shifted -0.14 pp (7.60% → 7.46%).
This credit union's 7.46% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 71/100 score is built
Bridgeton Onized gives up 29 points in total. Delinquency Rate costs the most, 11.4 of its 25; Return on Assets loses the least, 1.1.
- Net Worth Ratio 23.7 pts
- Delinquency Rate 13.6 pts
- Return on Assets 13.9 pts
- Member Growth 6.4 pts
- Loan-to-Share Ratio 13.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.46% | -7.40 pp |
| Delinquency Rate | 1.85% | +0.70 pp |
| Return on Assets | 0.43% | -0.28 pp |
| Member Growth | -1.46% | - |
| Loan-to-Share Ratio | 94.24% | +34.44 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $50.5M | - |
| 2025Q4 | $49.9M | 7,281 |
| 2024Q4 | $46.8M | 7,389 |
| 2023Q4 | $46.4M | 7,163 |
Credit Union Details
- Charter Number
- 3476
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Cedarville
- Data Quarter
- 2025Q4
Branch Locations (2)
Bridgeton Onized operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Cedarville Office (Main Office) | Cedarville, NJ |
| Bridgeton Office | Bridgeton, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
- MERCER COUNTY NJ TEACHERSHAMILTON SQUARE, NJ · $10M–$50M79Health
- CENTRAL JERSEY POLICE & FIREHamilton, NJ · $10M–$50M97Health
- H. E. TELEPHONERochelle Park, NJ · $10M–$50M83Health
- SOUTHERN MIDDLESEX CO TCHRSEast Brunswick, NJ · $10M–$50M68Health
- POSTAL EMPLOYEESYARDVILLE, NJ · $10M–$50M46Health
Other-state peers near Bridgeton Onized
Using this data
- Bridgeton Onized ranks #3,564 of 4,374 nationally on financial health and #77 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mercer County Nj Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mercer County Nj Teachers
Frequently Asked Questions
Is Bridgeton Onized financially healthy?
On its 2025Q4 NCUA 5300 filing, Bridgeton Onized scores 71/100 (Very Good), with a 7.46% net worth ratio and 1.85% of loans delinquent. It ranks #3,564 of 4,374 nationally on health and #77 of 127 in New Jersey.
How does Bridgeton Onized compare to other credit unions?
Bridgeton Onized scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (94.24% vs 59.80%). Its widest shortfall is net worth ratio (7.46% vs 14.86%).
How can I join Bridgeton Onized?
Bridgeton Onized 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 Bridgeton Onized directly for the exact boundaries and application steps.
Is my money safe at Bridgeton Onized?
Bridgeton Onized 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. Bridgeton Onized's net worth ratio of 7.46% 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.