Federal credit union · Hamilton, New Jersey · NCUA charter #3202
Central Jersey Police & Fire
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $48.4M
- Total assets
- 2,918
- Members
- 14.5%
- Net-worth ratio
Central Jersey Police & Fire scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $48.4M; members 2,918; net-worth ratio 14.55%; health rank #156 of 4,374; healthier than 95th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#156 of 4,374 health · 2025Q4Central Jersey Police & Fire · health 97/100 · $48.4M · 2025Q4
- ASSETS 97/100
- MEM 14.5%
- RANK 0.50%
- PHOTO 1.26%
- BOOK $48.4M
- CHARTER 2,918
- NCUSIF #156/4,374
- CAMELS North Towns
- HEALTH 3202
Call Report peers
Central Jersey Police & Fire in the assets neighbourhood
Central Jersey Police & Fire's $48.4M assets sit next to North Towns ($48.4M) 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 Police & Fire 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
97 Top 5% higher than 95% 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 Police & Fire - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #3202. See our deposit-insurance coverage note.
Central Jersey Police & Fire: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 69.95% vs peer 59.80% (+10.15 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.31 pp (14.55% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Central Jersey Police & Fire sits in New Jersey
- Health composite ranks #2 of 127 among scored New Jersey credit unions.
- By total assets, Central Jersey Police & Fire is #45 of 127 in New Jersey.
- New Jersey membership ordinal: #50 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Central Jersey Police & Fire: 2025Q4 → 2026Q1
Central Jersey Police & Fire: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $48.4M (2025Q4) to $50.2M (2026Q1).
- Net-worth ratio shifted -0.02 pp (14.57% → 14.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.55%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.8 pts
- Loan-to-Share Ratio 15.2 pts
Central Jersey Police & Fire health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.55% | -0.31 pp |
| Delinquency Rate | 0.50% | -0.65 pp |
| Return on Assets | 1.26% | +0.55 pp |
| Member Growth | 2.31% | - |
| Loan-to-Share Ratio | 69.95% | +10.15 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Central Jersey Police & Fire filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $50.2M | - |
| 2025Q4 | $48.4M | 2,918 |
| 2024Q4 | $44.8M | 2,852 |
| 2023Q4 | $43.8M | 2,718 |
Credit Union Details
- Charter Number
- 3202
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Hamilton
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Central Jersey Police & Fire.
| Office | City |
|---|---|
| HAMILTON (Main Office) | Hamilton, NJ |
| CJPFFCU | Hamilton, 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
- BRIDGETON ONIZEDCedarville, NJ · $10M–$50M71Health
- H. E. TELEPHONERochelle Park, NJ · $10M–$50M83Health
- SOUTHERN MIDDLESEX CO TCHRSEast Brunswick, NJ · $10M–$50M68Health
- POSTAL EMPLOYEESYARDVILLE, NJ · $10M–$50M46Health
Compare Central Jersey Police & Fire vs MERCER COUNTY NJ TEACHERS
Central Jersey Police & Fire nationwide neighbourhoods
Central Jersey Police & Fire's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($48.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Central Jersey Police & Fire ranks #156 of 4,374 nationally on financial health and #2 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
- 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 Police & Fire financially healthy?
Central Jersey Police & Fire has a financial health score of 97/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #156 of 4,374; by total assets it ranks #2,427 of 4,374 nationally (same basis as /rankings/largest); and #45 of 127 within New Jersey. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.55% and delinquency rate of 0.50%.
How does Central Jersey Police & Fire compare to other credit unions?
On PlainCU's health composite, Central Jersey Police & Fire lands at 97/100, compared to a peer group average for $10M–$50M 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 Police & Fire?
Central Jersey Police & Fire serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Central Jersey Police & Fire directly for the current list of qualifying groups.
Is my money safe at Central Jersey Police & Fire?
Federal credit unions like Central Jersey Police & Fire 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 Police & Fire's net worth ratio of 14.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Central Jersey Police & Fire offer compared to banks?
Credit unions like Central Jersey Police & Fire 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 Police & Fire 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.