State credit union · IRVINGTON, New Jersey · NCUA charter #62855
Division 819 Transit Employees
Health score 55/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $15.3M
- Total assets
- 1,504
- Members
- 18.1%
- Net-worth ratio
Division 819 Transit Employees scores 55/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.3M; members 1,504; net-worth ratio 18.15%; health rank #4,177 of 4,374; healthier than 4th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,177 of 4,374 health · 2025Q4Division 819 Transit · health 55/100 · $15.3M · 2025Q4
- NCUSIF 55/100
- CAMELS 18.1%
- HEALTH 1.86%
- NW -0.49%
- DELQ $15.3M
- ROA 1,504
- ASSETS #4,177/4,374
- MEM Jefferson County Teachers
- RANK 62855
Call Report peers
Division 819 Transit Employees in the assets neighbourhood
Division 819 Transit Employees's $15.3M assets sit next to Jefferson County Teachers ($15.3M) 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.
Division 819 Transit Employees 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
55 4th percentile higher than 4% 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
Division 819 Transit Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62855, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Division 819 Transit Employees: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +3.29 pp (18.15% vs 14.86%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.52 pp (51.28% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Division 819 Transit Employees: in-state Call Report ranks
- In New Jersey, health place is #118 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #71 of 127 inside New Jersey ($15.3M reported).
- New Jersey membership ordinal: #71 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.
Division 819 Transit Employees Call Report trajectory
Division 819 Transit Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $15.3M (2025Q4) to $15.9M (2026Q1).
- Net-worth ratio shifted -0.48 pp (18.63% → 18.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
18.15% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 55/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 55.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.5 pts
- Return on Assets 0.1 pts
- Member Growth 0.9 pts
- Loan-to-Share Ratio 10.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.15% | +3.29 pp |
| Delinquency Rate | 1.86% | +0.72 pp |
| Return on Assets | -0.49% | -1.19 pp |
| Member Growth | -4.51% | - |
| Loan-to-Share Ratio | 51.28% | -8.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Division 819 Transit Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $15.9M | - |
| 2025Q4 | $15.3M | 1,504 |
| 2024Q4 | $14.9M | 1,575 |
| 2023Q4 | $15.1M | 1,565 |
Credit Union Details
- Charter Number
- 62855
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- IRVINGTON
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Division 819 Transit Employees.
| Office | City |
|---|---|
| Division 819 Transit Employees CU (Main Office) | Irvington, 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.
- FEDERAL EMPLOYEES NEWARKNEWARK, NJ · $10M–$50M85Health
- PATHJersey City, NJ · $10M–$50M53Health
- TEANECKTEANECK, NJ · $10M–$50M64Health
- LOCAL 1233Newark, NJ · $10M–$50M90Health
- 1166Swedesboro, NJ · $10M–$50M75Health
Compare Division 819 Transit Employees vs FEDERAL EMPLOYEES NEWARK
Other-state peers near Division 819 Transit Employees
Two NCUA Call Report peer sets for Division 819 Transit Employees, 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 ($15.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (55/100 here).
Using this data
- Division 819 Transit Employees ranks #4,177 of 4,374 nationally on financial health and #118 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Federal Employees Newark is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Federal Employees Newark
- 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 Division 819 Transit Employees financially healthy?
Division 819 Transit Employees scores 55/100 (Fair) 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 #4,177 of 4,374; by total assets it ranks #3,318 of 4,374 nationally (same basis as /rankings/largest); and #71 of 127 within New Jersey. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 18.15% net worth ratio and a 1.86% delinquency rate.
How does Division 819 Transit Employees compare to other credit unions?
PlainCU's health composite puts Division 819 Transit Employees at 55/100, compared to a peer group average for $10M–$50M 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 Division 819 Transit Employees?
Membership eligibility for Division 819 Transit Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Division 819 Transit Employees directly for current membership requirements and application steps.
Is my money safe at Division 819 Transit Employees?
Federal credit unions like Division 819 Transit Employees 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. Division 819 Transit Employees's net worth ratio of 18.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Division 819 Transit Employees offer compared to banks?
Credit unions like Division 819 Transit Employees 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 Division 819 Transit Employees 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.