Federal credit union · WOODBRIDGE, New Jersey · NCUA charter #1108
Central Jersey
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $92.6M
- Total assets
- 6,021
- Members
- 10.3%
- Net-worth ratio
Central Jersey scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $92.6M; members 6,021; net-worth ratio 10.29%; health rank #2,632 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,632 of 4,374 health · 2025Q4Central Jersey · health 81/100 · $92.6M · 2025Q4
Call Report peers
Central Jersey in the assets neighbourhood
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Central Jersey vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Central Jersey 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
Central Jersey vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.28 pp (0.68% vs 0.96%).
- Largest lag: Loan-to-Share Ratio at 55.13% vs peer 62.60% (-7.47 pp).
New Jersey standing for Central Jersey
- In New Jersey, health place is #38 of 127 on the same NCUA-ratio sort used nationally.
- New Jersey assets place: #33 of 127.
- Membership ranks #34 of 127 among New Jersey CUs with a reported count (6,021 members).
- One place up in New Jersey, Deepwater Industries (#37) ties at 81/100; one place down, Public Service Plaza (#39) scores 80/100, 1 point lower.
How Central Jersey's 5300 filing moved
Central Jersey: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $92.6M (2025Q4) to $94.4M (2026Q1).
- Net-worth ratio shifted -0.11 pp (10.40% → 10.29%).
10.29% 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
Central Jersey gives up 19 points in total. Member Growth costs the most, 13.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.2 pts
- Return on Assets 15.0 pts
- Member Growth 1.2 pts
- Loan-to-Share Ratio 11.6 pts
Central Jersey health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.29% | -3.33 pp |
| Delinquency Rate | 0.68% | -0.28 pp |
| Return on Assets | 0.56% | -0.10 pp |
| Member Growth | -4.32% | - |
| Loan-to-Share Ratio | 55.13% | -7.47 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Central Jersey
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $94.4M | - |
| 2025Q4 | $92.6M | 6,021 |
| 2024Q4 | $93.3M | 6,293 |
| 2023Q4 | $99.4M | 6,618 |
Credit Union Details
- Charter Number
- 1108
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New Jersey
- City
- WOODBRIDGE
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Central Jersey.
| Office | City |
|---|---|
| MAIN ST (Main Office) | Woodbridge, 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.
Central Jersey nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Central Jersey ranks #2,632 of 4,374 nationally on financial health and #38 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Irco Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Irco Community
Frequently Asked Questions
Is Central Jersey financially healthy?
On its 2025Q4 NCUA 5300 filing, Central Jersey scores 81/100 (Excellent), with a 10.29% net worth ratio and 0.68% of loans delinquent. It ranks #2,632 of 4,374 nationally on health and #38 of 127 in New Jersey.
How does Central Jersey compare to other credit unions?
Central Jersey scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.68% vs 0.96%). Its widest shortfall is loan-to-share ratio (55.13% vs 62.60%).
How can I join Central Jersey?
Central Jersey 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 Central Jersey directly for the exact boundaries and application steps.
Is my money safe at Central Jersey?
Central Jersey 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. Central Jersey's net worth ratio of 10.29% 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.