Federal credit union · Monroe Township, New Jersey · NCUA charter #5321
CRIERS
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $1.7M
- Total assets
- 107
- Members
- 22.8%
- Net-worth ratio
CRIERS scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.7M; members 107; net-worth ratio 22.79%; health rank #3,045 of 4,374; healthier than 28th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,045 of 4,374 health · 2025Q4CRIERS · health 77/100 · $1.7M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CRIERS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CRIERS sits in 75-79 with 502 others.
77 28th percentile higher than 28% 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
CRIERS: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.00% here, 4.48% peer average (-4.48 pp).
- Largest lag: Loan-to-Share Ratio at 9.60% vs peer 52.70% (-43.10 pp).
New Jersey standing for CRIERS
- New Jersey health ordinal: #52 of 127.
- By total assets, CRIERS is #120 of 127 in New Jersey.
- Member book place in New Jersey: #126 of 127.
- One place up in New Jersey, Passaic Police (#51) scores 78/100, 1 point higher; one place down, CAMPBELL (#53) ties at 77/100.
CRIERS: 2025Q4 → 2026Q1
CRIERS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $1.7M (2025Q4) to $1.7M (2026Q1).
- Net-worth ratio shifted -0.88 pp (23.67% → 22.79%).
22.79% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
CRIERS gives up 23 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.79% | -0.14 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.76% | +0.54 pp |
| Member Growth | -17.69% | - |
| Loan-to-Share Ratio | 9.60% | -43.10 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Call Report history - CRIERS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.7M | - |
| 2025Q4 | $1.7M | 107 |
| 2024Q4 | $2.2M | 130 |
| 2023Q4 | $2.5M | 147 |
Credit Union Details
- Charter Number
- 5321
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New Jersey
- City
- Monroe Township
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, CRIERS runs one office.
| Office | City |
|---|---|
| Consumers FCU (Main Office) | Massapequa, NY |
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.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- CRIERS ranks #3,045 of 4,374 nationally on financial health and #52 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Elizabeth Police Department E is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Elizabeth Police Department E
Frequently Asked Questions
Is CRIERS financially healthy?
On its 2025Q4 NCUA 5300 filing, CRIERS scores 77/100 (Very Good), with a 22.79% net worth ratio and 0.00% of loans delinquent. It ranks #3,045 of 4,374 nationally on health and #52 of 127 in New Jersey.
How does CRIERS compare to other credit unions?
CRIERS scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (0.00% vs 4.48%). Its widest shortfall is loan-to-share ratio (9.60% vs 52.70%).
How can I join CRIERS?
CRIERS 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 CRIERS directly for the exact boundaries and application steps.
Is my money safe at CRIERS?
CRIERS is a federal credit union; its shares are federally 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. CRIERS's net worth ratio of 22.79% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.