Federal credit union · ROSELLE, New Jersey · NCUA charter #6179
Community Financial Services
Health score 49/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 49
- Health / 100
- $30.9M
- Total assets
- 2,726
- Members
- 13.1%
- Net-worth ratio
Community Financial Services scores 49/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.9M; members 2,726; net-worth ratio 13.14%; health rank #4,284 of 4,374; healthier than 2nd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,284 of 4,374 health · 2025Q4Community Financial Services · health 49/100 · $30.9M · 2025Q4
Call Report peers
Community Financial Services in the assets neighbourhood
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Community Financial Services vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Community Financial Services sits in 45-49 with 39 others.
49 2nd percentile higher than 2% 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
Peer-gap read for Community Financial Services
- Widest shortfall vs peers is Loan-to-Share Ratio: -20.75 pp (39.05% vs 59.80%).
Where Community Financial Services sits in New Jersey
- Health composite ranks #123 of 127 among scored New Jersey credit unions.
- Assets rank #53 of 127 inside New Jersey ($30.9M reported).
- Member book place in New Jersey: #52 of 127.
- One place up in New Jersey, The Atlantic (#122) scores 50/100, 1 point higher; one place down, Postal Employees (#124) scores 46/100, 3 points lower.
Community Financial Services: 2025Q4 → 2026Q1
Community Financial Services: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $30.9M (2025Q4) to $31.7M (2026Q1).
- Net-worth ratio shifted -0.57 pp (13.71% → 13.14%).
13.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 49/100 score is built
Community Financial Services gives up 51 points in total. Delinquency Rate costs the most, 16.4 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.6 pts
- Return on Assets 0.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.7 pts
Community Financial Services health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.14% | -1.72 pp |
| Delinquency Rate | 2.63% | +1.48 pp |
| Return on Assets | -0.43% | -1.13 pp |
| Member Growth | -8.43% | - |
| Loan-to-Share Ratio | 39.05% | -20.75 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Community Financial Services quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $31.7M | - |
| 2025Q4 | $30.9M | 2,726 |
| 2024Q4 | $31.6M | 2,977 |
| 2023Q4 | $34.7M | 3,523 |
Credit Union Details
- Charter Number
- 6179
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- ROSELLE
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Community Financial Services.
| Office | City |
|---|---|
| Main (Main Office) | Roselle, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
Other-state peers near Community Financial Services
Similar total assets
Using this data
- Community Financial Services ranks #4,284 of 4,374 nationally on financial health and #123 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Manville Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Manville Area
Frequently Asked Questions
Is Community Financial Services financially healthy?
Community Financial Services has a financial health score of 49/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,284 of 4,374 nationally on health and #123 of 127 in New Jersey. Its net worth ratio is 13.14% and its delinquency rate 2.63%.
How does Community Financial Services compare to other credit unions?
Community Financial Services scores 49/100, higher than 2% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (39.05% vs 59.80%).
How can I join Community Financial Services?
Community Financial Services 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 Community Financial Services directly for the exact boundaries and application steps.
Is my money safe at Community Financial Services?
Community Financial Services 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. Community Financial Services's net worth ratio of 13.14% 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.