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
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Clifton Nj Postal Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Clifton Nj Postal Employees sits in 65-69 with 275 others.
66 12th percentile higher than 12% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in New Jersey, EDIFI (#94) scores 67/100, 1 point higher; one place down, Public Service E.D. Trenton (#96) ties at 66/100.
How Clifton Nj Postal Employees's 5300 filing moved
Clifton Nj Postal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $2.1M (2025Q4) to $2.1M (2026Q1).
- Net-worth ratio shifted -0.35 pp (52.41% → 52.06%).
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
Clifton Nj Postal Employees gives up 34 points in total. Member Growth costs the most, 14.4 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Clifton Nj Postal Employees financially healthy?
Clifton Nj Postal Employees has a financial health score of 66/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,794 of 4,374 nationally on health and #95 of 127 in New Jersey. Its net worth ratio is 52.06% and its delinquency rate 0.76%.
How does Clifton Nj Postal Employees compare to other credit unions?
Clifton Nj Postal Employees scores 66/100, higher than 12% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (52.06% vs 19.06%). Its widest shortfall is loan-to-share ratio (40.42% vs 63.60%).
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?
Clifton Nj Postal Employees 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. Clifton Nj Postal Employees's net worth ratio of 52.06% 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.