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
- HEALTH 77/100
- NW 22.8%
- DELQ 0.00%
- ROA 0.76%
- ASSETS $1.7M
- MEM 107
- RANK #3,045/4,374
- PHOTO n/a
- BOOK 5321
Call Report peers
CRIERS carries $1.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #5321 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CRIERS: 2025Q4 → 2026Q1
CRIERS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.0% from $1.7M (2025Q4) to $1.7M (2026Q1).
- Net-worth ratio shifted -0.88 pp (23.67% → 22.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
Cross-state asset and health neighbours for CRIERS - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
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
- 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 CRIERS financially healthy?
CRIERS scores 77/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,045 of 4,374; by total assets it ranks #4,162 of 4,374 nationally (same basis as /rankings/largest); and #120 of 127 within New Jersey. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 22.79% net worth ratio and a 0.00% delinquency rate.
How does CRIERS compare to other credit unions?
PlainCU's health composite puts CRIERS at 77/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like CRIERS 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. CRIERS's net worth ratio of 22.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CRIERS offer compared to banks?
Credit unions like CRIERS 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 CRIERS 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.