Federal credit union · WOODBRIDGE, New Jersey · NCUA charter #1108
Central Jersey
Health score 64/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $92.6M
- Total assets
- 6,021
- Members
- 5.1%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)42
- Asset quality (delinquency)93
- Earnings (ROA)100
- Member growth8
- Liquidity (loan-to-share)78
Weighted composite: 64/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
5.07% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.07% | 30% |
| Delinquency Rate | 0.68% | 25% |
| Return on Assets | 0.56% | 15% |
| Member Growth | -4.32% | 15% |
| Loan-to-Share Ratio | 55.13% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Central Jersey
Charter #1108, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Central Jersey, a federal credit union in WOODBRIDGE, New Jersey with 6,021 members, $92.6M in total assets, and $45.0M in outstanding loans as of Q4 2025. The five-factor composite scores it 64/100 (Good), helped by a net worth ratio of 5.07% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.68% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers - and a 55.13% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.56% on net income of $514K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.32%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Central Jersey financially healthy?
Yes/no aside, the number is 64/100 (Good) - Central Jersey's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 5.07% 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 64/100, 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 5.07% is relative to 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.
Read our methodology - how this data is sourced, computed, and verified.
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.