Federal credit union · Rancocas, New Jersey · NCUA charter #12679
EDIFI
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $253.7M
- Total assets
- 25,621
- Members
- 9.1%
- Net-worth ratio
EDIFI scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $253.7M; members 25,621; net-worth ratio 9.14%; health rank #3,779 of 4,374; healthier than 13th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,779 of 4,374 health · 2025Q4EDIFI · health 67/100 · $253.7M · 2025Q4
Call Report peers
EDIFI in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EDIFI vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); EDIFI sits in 65-69 with 275 others.
67 13th percentile higher than 13% 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
EDIFI vs $100M–$500M peers
- Delinquency Rate leads the peer set - 0.35% here, 0.89% peer average (-0.55 pp).
- Loan-to-Share Ratio trails the peer set - 55.14% here, 72.20% peer average (-17.06 pp).
New Jersey standing for EDIFI
- Health composite ranks #94 of 127 among scored New Jersey credit unions.
- Assets rank #11 of 127 inside New Jersey ($253.7M reported).
- Member book place in New Jersey: #7 of 127.
- One place up in New Jersey, Atlantic Health Employees (#93) ties at 67/100; one place down, Clifton Nj Postal Employees (#95) scores 66/100, 1 point lower.
Quarter path for EDIFI
EDIFI: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $253.7M (2025Q4) to $258.7M (2026Q1).
- Net-worth ratio shifted -0.17 pp (9.31% → 9.14%).
This credit union's 9.14% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 67/100 score is built
EDIFI gives up 33 points in total. Return on Assets costs the most, 15 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 27.8 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 2.4 pts
- Loan-to-Share Ratio 11.8 pts
Call Report ratios for EDIFI
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.14% | -2.97 pp |
| Delinquency Rate | 0.35% | -0.55 pp |
| Return on Assets | -2.63% | -3.26 pp |
| Member Growth | -3.68% | - |
| Loan-to-Share Ratio | 55.14% | -17.06 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
EDIFI quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $258.7M | - |
| 2025Q4 | $253.7M | 25,621 |
| 2024Q4 | $247.6M | 26,601 |
| 2023Q4 | $246.8M | 27,544 |
Credit Union Details
- Charter Number
- 12679
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- Rancocas
- Data Quarter
- 2025Q4
Branch Locations (8)
EDIFI operates 8 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Willingboro Lending Dept. (Main Office) | Willingboro, NJ |
| Atlantic City | Atlantic City, NJ |
| Browns Mills | Browns Mills, NJ |
| Cooper | Camden, NJ |
| Egg Harbor Township | Egg Harbor Twp, NJ |
| Glassboro | Glassboro, NJ |
| Willingboro | Willingboro, NJ |
| Willingboro Operations Center | Willingboro, 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.
Nationwide credit unions with similar profiles
Using this data
- EDIFI ranks #3,779 of 4,374 nationally on financial health and #94 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- North Jersey is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with North Jersey
Frequently Asked Questions
Is EDIFI financially healthy?
On its 2025Q4 NCUA 5300 filing, EDIFI scores 67/100 (Good), with a 9.14% net worth ratio and 0.35% of loans delinquent. It ranks #3,779 of 4,374 nationally on health and #94 of 127 in New Jersey.
How does EDIFI compare to other credit unions?
EDIFI scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.35% vs 0.89%). Its widest shortfall is loan-to-share ratio (55.14% vs 72.20%).
How can I join EDIFI?
EDIFI 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 EDIFI directly for the exact boundaries and application steps.
Is my money safe at EDIFI?
EDIFI 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. EDIFI's net worth ratio of 9.14% 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.