Federal credit union · Elizabeth, New Jersey · NCUA charter #916
Elizabeth (N.J.) Firemen's
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $7.1M
- Total assets
- 1,135
- Members
- 11.4%
- Net-worth ratio
Elizabeth (N.J.) Firemen's scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.1M; members 1,135; net-worth ratio 11.38%; health rank #3,997 of 4,374; healthier than 8th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,997 of 4,374 health · 2025Q4Elizabeth (N.J.) Firemen's · health 62/100 · $7.1M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Elizabeth (N.J.) Firemen's vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Elizabeth (N.J.) Firemen's sits in 60-64 with 179 others.
62 8th percentile higher than 8% 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
Peer-gap read for Elizabeth (N.J.) Firemen's
- Largest favorable gap: Delinquency Rate at 1.32% vs peer 1.81% (-0.48 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -28.51 pp (35.09% vs 63.60%).
Where Elizabeth (N.J.) Firemen's sits in New Jersey
- New Jersey health ordinal: #108 of 127.
- Assets rank #98 of 127 inside New Jersey ($7.1M reported).
- New Jersey membership ordinal: #83 of 127.
- One place up in New Jersey, Newark Post Office Employees (#107) ties at 62/100; one place down, First Financial (#109) ties at 62/100.
How Elizabeth (N.J.) Firemen's's 5300 filing moved
Elizabeth (N.J.) Firemen's: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $7.1M (2025Q4) to $7.2M (2026Q1).
- Net-worth ratio shifted -0.15 pp (11.53% → 11.38%).
At 11.38%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 62/100 score is built
Elizabeth (N.J.) Firemen's gives up 38 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.6 pts
- Return on Assets 0.0 pts
- Member Growth 5.0 pts
- Loan-to-Share Ratio 9.4 pts
Call Report ratios for Elizabeth (N.J.) Firemen's
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.38% | -7.68 pp |
| Delinquency Rate | 1.32% | -0.48 pp |
| Return on Assets | -0.92% | -1.37 pp |
| Member Growth | -2.24% | - |
| Loan-to-Share Ratio | 35.09% | -28.51 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Elizabeth (N.J.) Firemen's filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.2M | - |
| 2025Q4 | $7.1M | 1,135 |
| 2024Q4 | $7.4M | 1,161 |
| 2023Q4 | $8.1M | 1,182 |
Credit Union Details
- Charter Number
- 916
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- Elizabeth
- Data Quarter
- 2025Q4
Branch Location
Elizabeth (N.J.) Firemen's operates a single office in Elizabeth, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Fire Headquarters (Main Office) | Elizabeth, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Cross-state Call Report peers for Elizabeth (N.J.) Firemen's
Using this data
- Elizabeth (N.J.) Firemen's ranks #3,997 of 4,374 nationally on financial health and #108 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ocnac #1 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ocnac #1
Frequently Asked Questions
Is Elizabeth (N.J.) Firemen's financially healthy?
Elizabeth (N.J.) Firemen's has a financial health score of 62/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,997 of 4,374 nationally on health and #108 of 127 in New Jersey. Its net worth ratio is 11.38% and its delinquency rate 1.32%.
How does Elizabeth (N.J.) Firemen's compare to other credit unions?
Elizabeth (N.J.) Firemen's scores 62/100, higher than 8% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (1.32% vs 1.81%). Its widest shortfall is loan-to-share ratio (35.09% vs 63.60%).
How can I join Elizabeth (N.J.) Firemen's?
Elizabeth (N.J.) Firemen's serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Elizabeth (N.J.) Firemen's directly for the current list of qualifying groups.
Is my money safe at Elizabeth (N.J.) Firemen's?
Elizabeth (N.J.) Firemen's 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. Elizabeth (N.J.) Firemen's's net worth ratio of 11.38% 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.