Federal credit union · Roselle Park, New Jersey · NCUA charter #120
County Excellence
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $129.1M
- Total assets
- 8,755
- Members
- 7.8%
- Net-worth ratio
County Excellence - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #120: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
County Excellence - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)82
- Asset quality (delinquency)70
- Earnings (ROA)71
- Member growth64
- Liquidity (loan-to-share)83
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.84% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.84% | 30% |
| Delinquency Rate | 1.34% | 25% |
| Return on Assets | 0.21% | 15% |
| Member Growth | 0.51% | 15% |
| Loan-to-Share Ratio | 58.67% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $129.1M | 8,755 |
| 2024Q4 | $122.0M | 8,711 |
| 2023Q4 | $122.9M | 8,903 |
Credit Union Details
- Charter Number
- 120
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- Roselle Park
- Data Quarter
- 2025Q4
What This Data Says About County Excellence
Headquartered in Roselle Park, New Jersey, County Excellence is a federal credit union with 8,755 members, $129.1M in total assets, and $69.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 75/100 (Very Good), driven in part by a net worth ratio of 7.84% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #120 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 1.34% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Meanwhile a 58.67% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.21% on net income of $265K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.51%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is County Excellence financially healthy?
County Excellence has a financial health score of 75/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.84% and delinquency rate of 1.34%.
How does County Excellence compare to other credit unions?
County Excellence scores 75/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 County Excellence?
County Excellence 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 County Excellence directly for the exact boundaries and application steps.
Is my money safe at County Excellence?
Federal credit unions like County Excellence 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. County Excellence's net worth ratio of 7.84% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does County Excellence offer compared to banks?
Credit unions like County Excellence 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 County Excellence directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.