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
Call Report peers
Central Jersey Police & Fire in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Central Jersey Police & Fire sits in 95-99 with 391 others.
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: 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%).
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.
- One place up in New Jersey, Healthcare Employees (#1) scores 98/100, 1 point higher; one place down, MAUN (#3) scores 95/100, 2 points lower.
Central Jersey Police & Fire: 2025Q4 → 2026Q1
Central Jersey Police & Fire: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $48.4M (2025Q4) to $50.2M (2026Q1).
- Net-worth ratio shifted -0.02 pp (14.57% → 14.55%).
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
Central Jersey Police & Fire gives up 3 points in total. Member Growth costs the most, 3.2 of its 15; Loan-to-Share Ratio and Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Central Jersey Police & Fire financially healthy?
On its 2025Q4 NCUA 5300 filing, Central Jersey Police & Fire scores 97/100 (Excellent), with a 14.55% net worth ratio and 0.50% of loans delinquent. It ranks #156 of 4,374 nationally on health and #2 of 127 in New Jersey.
How does Central Jersey Police & Fire compare to other credit unions?
Central Jersey Police & Fire scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (69.95% vs 59.80%). Its widest shortfall is net worth ratio (14.55% vs 14.86%).
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?
Central Jersey Police & Fire 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 Police & Fire's net worth ratio of 14.55% 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.