Federal credit union · Roselle Park, New Jersey · NCUA charter #120
County Excellence
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $129.1M
- Total assets
- 8,755
- Members
- 8.5%
- Net-worth ratio
County Excellence scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $129.1M; members 8,755; net-worth ratio 8.52%; health rank #3,216 of 4,374; healthier than 26th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,216 of 4,374 health · 2025Q4County Excellence · health 76/100 · $129.1M · 2025Q4
- RANK 76/100
- PHOTO 8.5%
- BOOK 1.34%
- CHARTER 0.21%
- NCUSIF $129.1M
- CAMELS 8,755
- HEALTH #3,216/4,374
- NW WAILUKU
- DELQ 120
Call Report peers
County Excellence in the assets neighbourhood
County Excellence's $129.1M assets sit next to WAILUKU ($129.2M) 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.
County Excellence 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
76 26th percentile higher than 26% 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
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: Call Report deltas vs peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.53 pp (58.67% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
County Excellence: in-state Call Report ranks
- New Jersey health ordinal: #57 of 127.
- New Jersey assets place: #25 of 127.
- Member book place in New Jersey: #24 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.
How County Excellence's 5300 filing moved
County Excellence: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $129.1M (2025Q4) to $134.0M (2026Q1).
- Net-worth ratio shifted -0.11 pp (8.63% → 8.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 26.3 pts
- Delinquency Rate 17.5 pts
- Return on Assets 10.6 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 12.0 pts
County Excellence health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.52% | -3.59 pp |
| Delinquency Rate | 1.34% | +0.44 pp |
| Return on Assets | 0.21% | -0.42 pp |
| Member Growth | 0.51% | - |
| Loan-to-Share Ratio | 58.67% | -13.53 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
County Excellence quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $134.0M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, County Excellence runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| County Excellence FCU Br1 (Main Office) | Roselle Park, NJ |
| County Excellence FCU Br2 | Martinsville, NJ |
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.
Cross-state Call Report peers for County Excellence
Two NCUA Call Report peer sets for County Excellence, 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 ($129.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- County Excellence ranks #3,216 of 4,374 nationally on financial health and #57 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members 1st of Nj is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members 1st of Nj
- 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 County Excellence financially healthy?
County Excellence has a financial health score of 76/100 (Very 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 #3,216 of 4,374; by total assets it ranks #1,611 of 4,374 nationally (same basis as /rankings/largest); and #25 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 8.52% and delinquency rate of 1.34%.
How does County Excellence compare to other credit unions?
County Excellence scores 76/100 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 8.52% 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.
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.