Federal credit union · Clifton, New Jersey · NCUA charter #277
Clifton Nj Postal Employees
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $2.1M
- Total assets
- 246
- Members
- 52.1%
- Net-worth ratio
Clifton Nj Postal Employees scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.1M; members 246; net-worth ratio 52.06%; health rank #3,794 of 4,374; healthier than 12th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,794 of 4,374 health · 2025Q4Clifton Nj Postal Employees · health 66/100 · $2.1M · 2025Q4
- BOOK 66/100
- CHARTER 52.1%
- NCUSIF 0.76%
- CAMELS -0.08%
- HEALTH $2.1M
- NW 246
- DELQ #3,794/4,374
- ROA n/a
- ASSETS 277
Clifton Nj Postal Employees carries $2.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Clifton Nj Postal Employees 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
66 12th percentile higher than 12% 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
Clifton Nj Postal Employees - Share Insurance Coverage
Charter #277's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Clifton Nj Postal Employees: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +33.00 pp (52.06% vs 19.06%).
- Loan-to-Share Ratio trails the peer set - 40.42% here, 63.60% peer average (-23.18 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Clifton Nj Postal Employees in New Jersey
- In New Jersey, health place is #95 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #117 of 127 inside New Jersey ($2.1M reported).
- Membership ranks #120 of 127 among New Jersey CUs with a reported count (246 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 Clifton Nj Postal Employees's 5300 filing moved
Clifton Nj Postal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $2.1M (2025Q4) to $2.1M (2026Q1).
- Net-worth ratio shifted -0.35 pp (52.41% → 52.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
52.06% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 66/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.4 pts
- Return on Assets 3.8 pts
- Member Growth 0.6 pts
- Loan-to-Share Ratio 9.2 pts
Call Report ratios for Clifton Nj Postal Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 52.06% | +33.00 pp |
| Delinquency Rate | 0.76% | -1.05 pp |
| Return on Assets | -0.08% | -0.53 pp |
| Member Growth | -4.65% | - |
| Loan-to-Share Ratio | 40.42% | -23.18 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Clifton Nj Postal Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.1M | - |
| 2025Q4 | $2.1M | 246 |
| 2024Q4 | $2.2M | 258 |
| 2023Q4 | $2.4M | 270 |
Credit Union Details
- Charter Number
- 277
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- Clifton
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Clifton Nj Postal Employees, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main (Main Office) | Clifton, NJ |
| Compusource systems inc | Amherst, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Clifton Nj Postal Employees - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
Using this data
- Clifton Nj Postal Employees ranks #3,794 of 4,374 nationally on financial health and #95 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Trenton Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Trenton 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 Clifton Nj Postal Employees financially healthy?
Clifton Nj Postal Employees has a financial health score of 66/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,794 of 4,374; by total assets it ranks #4,117 of 4,374 nationally (same basis as /rankings/largest); and #117 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 52.06% and delinquency rate of 0.76%.
How does Clifton Nj Postal Employees compare to other credit unions?
PlainCU's health composite puts Clifton Nj Postal Employees at 66/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Clifton Nj Postal Employees?
Clifton Nj Postal Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Clifton Nj Postal Employees directly to confirm current membership steps.
Is my money safe at Clifton Nj Postal Employees?
Federal credit unions like Clifton Nj Postal Employees 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. Clifton Nj Postal Employees's net worth ratio of 52.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Clifton Nj Postal Employees offer compared to banks?
Credit unions like Clifton Nj Postal Employees 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 Clifton Nj Postal Employees 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.