Federal credit union · Deepwater, New Jersey · NCUA charter #430
Deepwater Industries
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $111.0M
- Total assets
- 7,799
- Members
- 10.8%
- Net-worth ratio
Deepwater Industries scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $111.0M; members 7,799; net-worth ratio 10.80%; health rank #2,622 of 4,374; healthier than 39th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,622 of 4,374 health · 2025Q4Deepwater Industries · health 81/100 · $111.0M · 2025Q4
- MEM 81/100
- RANK 10.8%
- PHOTO 0.52%
- BOOK 0.49%
- CHARTER $111.0M
- NCUSIF 7,799
- CAMELS #2,622/4,374
- HEALTH Weyco Community
- NW 430
Call Report peers
Deepwater Industries in the assets neighbourhood
Deepwater Industries's $111.0M assets sit next to Weyco Community ($111.1M) 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.
Deepwater Industries 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
81 39th percentile higher than 39% 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
Deepwater Industries - Share Insurance Coverage
Charter #430's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Deepwater Industries vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.38 pp (0.52% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -16.76 pp (55.44% 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.
Deepwater Industries: in-state Call Report ranks
- New Jersey health ordinal: #37 of 127.
- Assets rank #26 of 127 inside New Jersey ($111.0M reported).
- Membership ranks #27 of 127 among New Jersey CUs with a reported count (7,799 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.
How Deepwater Industries's 5300 filing moved
Deepwater Industries: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $111.0M (2025Q4) to $113.2M (2026Q1).
- Net-worth ratio shifted +0.24 pp (10.56% → 10.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.80% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.8 pts
- Return on Assets 14.8 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.4 pts
Deepwater Industries health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.80% | -1.31 pp |
| Delinquency Rate | 0.52% | -0.38 pp |
| Return on Assets | 0.49% | -0.14 pp |
| Member Growth | -12.24% | - |
| Loan-to-Share Ratio | 55.44% | -16.76 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).
Deepwater Industries filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $113.2M | - |
| 2025Q4 | $111.0M | 7,799 |
| 2024Q4 | $110.1M | 8,887 |
| 2023Q4 | $108.6M | 9,331 |
Credit Union Details
- Charter Number
- 430
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- Deepwater
- Data Quarter
- 2025Q4
Branch Locations (2)
Deepwater Industries operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Deepwater Headquarters (Main Office) | Deepwater, NJ |
| Woodstown Branch | Pilesgrove, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Deepwater Industries, 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 ($111.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Deepwater Industries ranks #2,622 of 4,374 nationally on financial health and #37 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Advanced Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Advanced Financial
- 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 Deepwater Industries financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - Deepwater Industries's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,622 of 4,374; by total assets it ranks #1,741 of 4,374 nationally (same basis as /rankings/largest); and #26 of 127 within New Jersey. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.80% net worth ratio and 0.52% delinquency rate are the key drivers.
How does Deepwater Industries compare to other credit unions?
On PlainCU's health composite, Deepwater Industries lands at 81/100, 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 Deepwater Industries?
Deepwater Industries 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 Deepwater Industries directly for the exact boundaries and application steps.
Is my money safe at Deepwater Industries?
Federal credit unions like Deepwater Industries 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. Deepwater Industries's net worth ratio of 10.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Deepwater Industries offer compared to banks?
Credit unions like Deepwater Industries 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 Deepwater Industries 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.