Federal credit union · East Orange, New Jersey · NCUA charter #11604
East Orange Va Hospital
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $20.0M
- Total assets
- 2,175
- Members
- 12.1%
- Net-worth ratio
East Orange Va Hospital - Share Insurance Coverage
Charter #11604'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.
East Orange Va Hospital - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)46
- Earnings (ROA)86
- Member growth70
- Liquidity (loan-to-share)71
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.09% 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 | 12.09% | 30% |
| Delinquency Rate | 2.18% | 25% |
| Return on Assets | 0.36% | 15% |
| Member Growth | 1.21% | 15% |
| Loan-to-Share Ratio | 50.66% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $20.0M | 2,175 |
| 2024Q4 | $21.0M | 2,149 |
| 2023Q4 | $20.7M | 2,105 |
Credit Union Details
- Charter Number
- 11604
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- East Orange
- Data Quarter
- 2025Q4
What This Data Says About East Orange Va Hospital
East Orange Va Hospital is a federal credit union headquartered in East Orange, New Jersey, serving 2,175 members with $20.0M in total assets and $8.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 75/100 (Very Good), anchored by a net worth ratio of 12.09% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #11604 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 2.18% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 50.66% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.36% on net income of $71K 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 1.21%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Low Income) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 East Orange Va Hospital financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, East Orange Va Hospital carries a financial health score of 75/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.09% net worth ratio and a 2.18% delinquency rate.
How does East Orange Va Hospital compare to other credit unions?
PlainCU's health composite puts East Orange Va Hospital at 75/100, 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 East Orange Va Hospital?
East Orange Va Hospital carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact East Orange Va Hospital directly to confirm current membership steps.
Is my money safe at East Orange Va Hospital?
Federal credit unions like East Orange Va Hospital 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. East Orange Va Hospital's net worth ratio of 12.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does East Orange Va Hospital offer compared to banks?
Credit unions like East Orange Va Hospital 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 East Orange Va Hospital 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.