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
- HEALTH 49/100
- NW 13.1%
- DELQ 2.63%
- ROA -0.43%
- ASSETS $30.9M
- MEM 2,726
- RANK #4,284/4,374
- PHOTO Pompano Beach City Emp.
- BOOK 6179
Call Report peers
Community Financial Services in the assets neighbourhood
Community Financial Services's $30.9M assets sit next to Pompano Beach City Emp. ($30.9M) 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.
Community Financial Services 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
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
Community Financial Services - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #6179: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Community Financial Services
- Widest shortfall vs peers is Loan-to-Share Ratio: -20.75 pp (39.05% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Community Financial Services: 2025Q4 → 2026Q1
Community Financial Services: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $30.9M (2025Q4) to $31.7M (2026Q1).
- Net-worth ratio shifted -0.57 pp (13.71% → 13.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 49.
- 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 |
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).
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
Two NCUA Call Report peer sets for Community Financial Services, both outside New Jersey so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($30.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (49/100 here).
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
- 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 Community Financial Services financially healthy?
Community Financial Services scores 49/100 (Below Average) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,284 of 4,374; by total assets it ranks #2,828 of 4,374 nationally (same basis as /rankings/largest); and #53 of 127 within New Jersey. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.14% net worth ratio and a 2.63% delinquency rate.
How does Community Financial Services compare to other credit unions?
Community Financial Services scores 49/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like Community Financial Services 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. Community Financial Services's net worth ratio of 13.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community Financial Services offer compared to banks?
Credit unions like Community Financial Services 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 Community Financial Services 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.