Federal credit union · Ewing, New Jersey · NCUA charter #24927
Credit Union of New Jersey, a
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $495.0M
- Total assets
- 39,021
- Members
- 10.8%
- Net-worth ratio
Credit Union of New Jersey, a scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $495.0M; members 39,021; net-worth ratio 10.76%; health rank #1,133 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,133 of 4,374 health · 2025Q4Credit Union · health 90/100 · $495.0M · 2025Q4
- NCUSIF 90/100
- CAMELS 10.8%
- HEALTH 0.97%
- NW 0.36%
- DELQ $495.0M
- ROA 39,021
- ASSETS #1,133/4,374
- MEM MUTUAL
- RANK 24927
Call Report peers
Credit Union of New Jersey, a in the assets neighbourhood
Credit Union of New Jersey, a's $495.0M assets sit next to MUTUAL ($494.7M) 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.
Credit Union of New Jersey, a 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
90 Top 27% higher than 73% 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
Credit Union of New Jersey, a - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24927: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Credit Union of New Jersey, a vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 91.73% vs peer 72.20% (+19.53 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.35 pp (10.76% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Credit Union of New Jersey, a sits in New Jersey
- Health composite ranks #9 of 127 among scored New Jersey credit unions.
- By total assets, Credit Union of New Jersey, a is #5 of 127 in New Jersey.
- Membership ranks #3 of 127 among New Jersey CUs with a reported count (39,021 members).
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Credit Union of New Jersey, a: 2025Q4 → 2026Q1
Credit Union of New Jersey, a: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $495.0M (2025Q4) to $504.0M (2026Q1).
- Net-worth ratio shifted +0.82 pp (9.94% → 10.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.76% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.3 pts
- Return on Assets 12.8 pts
- Member Growth 12.8 pts
- Loan-to-Share Ratio 14.1 pts
Call Report ratios for Credit Union of New Jersey, a
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.76% | -1.35 pp |
| Delinquency Rate | 0.97% | +0.08 pp |
| Return on Assets | 0.36% | -0.27 pp |
| Member Growth | 3.21% | - |
| Loan-to-Share Ratio | 91.73% | +19.53 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).
Credit Union filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $504.0M | - |
| 2025Q4 | $495.0M | 39,021 |
| 2024Q4 | $464.8M | 37,809 |
| 2023Q4 | $437.9M | 36,657 |
Credit Union Details
- Charter Number
- 24927
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- Ewing
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Credit Union of New Jersey, a, spread across 4 cities in 2 states.
| Office | City |
|---|---|
| Ewing Branch (Main Office) | Ewing, NJ |
| Wescom Resources | Anaheim, CA |
| DOT Branch | Ewing, NJ |
| Hamilton | Hamilton, NJ |
| Lafayette | Trenton, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Credit Union
Two NCUA Call Report peer sets for Credit Union of New Jersey, a, 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 ($495.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Credit Union of New Jersey, a ranks #1,133 of 4,374 nationally on financial health and #9 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Garden Savings is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Garden Savings
- 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 Credit Union of New Jersey, a financially healthy?
A 10.76% net worth ratio and a 0.97% delinquency rate feed into Credit Union of New Jersey, a's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,133 of 4,374; by total assets it ranks #752 of 4,374 nationally (same basis as /rankings/largest); and #5 of 127 within New Jersey. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Credit Union of New Jersey, a compare to other credit unions?
On PlainCU's health composite, Credit Union of New Jersey, a lands at 90/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Credit Union of New Jersey, a?
Credit Union of New Jersey, a serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Credit Union of New Jersey, a directly for the current list of qualifying groups.
Is my money safe at Credit Union of New Jersey, a?
Federal credit unions like Credit Union of New Jersey, a 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. Credit Union of New Jersey, a's net worth ratio of 10.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Credit Union of New Jersey, a offer compared to banks?
Credit unions like Credit Union of New Jersey, a 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 Credit Union of New Jersey, a 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.