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
- BOOK 81/100
- CHARTER 10.3%
- NCUSIF 0.68%
- CAMELS 0.56%
- HEALTH $92.6M
- NW 6,021
- DELQ #2,632/4,374
- ROA The State
- ASSETS 1108
Call Report peers
Central Jersey in the assets neighbourhood
Central Jersey's $92.6M assets sit next to The State ($92.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Central Jersey 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
81 39th percentile higher than 39% 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
Central Jersey - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1108: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Central Jersey's 5300 filing moved
Central Jersey: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $92.6M (2025Q4) to $94.4M (2026Q1).
- Net-worth ratio shifted -0.11 pp (10.40% → 10.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for Central Jersey - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($92.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- 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 Central Jersey financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - Central Jersey'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 #2,632 of 4,374; by total assets it ranks #1,891 of 4,374 nationally (same basis as /rankings/largest); and #33 of 127 within New Jersey. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.29% net worth ratio and 0.68% delinquency rate are the key drivers.
How does Central Jersey compare to other credit unions?
On PlainCU's health composite, Central Jersey lands at 81/100, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like Central Jersey 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. Central Jersey's net worth ratio of 10.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Central Jersey offer compared to banks?
Credit unions like Central Jersey 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 Central Jersey 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.