Federal credit union · Ewing, New Jersey · NCUA charter #24927
Credit Union of New Jersey, a
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $495.0M
- Total assets
- 39,021
- Members
- 8.1%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)84
- Asset quality (delinquency)81
- Earnings (ROA)86
- Member growth86
- Liquidity (loan-to-share)95
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.06% 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 | 8.06% | 30% |
| Delinquency Rate | 0.97% | 25% |
| Return on Assets | 0.36% | 15% |
| Member Growth | 3.21% | 15% |
| Loan-to-Share Ratio | 91.73% | 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 | $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
What This Data Says About Credit Union of New Jersey, a
39,021 members and $495.0M in total assets sit behind Credit Union of New Jersey, a, a federal credit union in Ewing, New Jersey, which posts a health score of 85/100 (Excellent) on the five-factor composite, with $394.5M in outstanding loans as of Q4 2025 and a net worth ratio of 8.06% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24927 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
0.97% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 91.73% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.36% on net income of $1.8M 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 3.21%. 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: Multiple Common Bond). 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
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
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 Credit Union of New Jersey, a financially healthy?
A 8.06% net worth ratio and a 0.97% delinquency rate feed into Credit Union of New Jersey, a's financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. 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 85/100, 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 8.06% 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.
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.