Federal credit union · Hoboken, New Jersey · NCUA charter #4158
Erie Lackawanna Railroad Co Emp
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $11.6M
- Total assets
- 1,849
- Members
- 25.7%
- Net-worth ratio
Erie Lackawanna Railroad Co Emp - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #4158: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Erie Lackawanna Railroad Co Emp - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)74
- Earnings (ROA)100
- Member growth53
- Liquidity (loan-to-share)61
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 25.73%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 25.73% | 30% |
| Delinquency Rate | 1.20% | 25% |
| Return on Assets | 0.78% | 15% |
| Member Growth | -0.59% | 15% |
| Loan-to-Share Ratio | 34.84% | 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 | $11.6M | 1,849 |
| 2024Q4 | $11.1M | 1,860 |
| 2023Q4 | $11.5M | 1,829 |
Credit Union Details
- Charter Number
- 4158
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Hoboken
- Data Quarter
- 2025Q4
What This Data Says About Erie Lackawanna Railroad Co Emp
Erie Lackawanna Railroad Co Emp is a federal credit union headquartered in Hoboken, New Jersey, serving 1,849 members with $11.6M in total assets and $3.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 81/100 (Excellent), anchored by a net worth ratio of 25.73% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #4158 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 1.20% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers - and a 34.84% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.78% on net income of $90K 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 -0.59%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
- JERSEY CITY FIREMENJersey City, NJ · $10M–$50M78Health
- WAKEFERNElizabeth, NJ · $10M–$50M84Health
- PEOPLES TRANSPORTMOUNT EPHRAIM, NJ · $10M–$50M80Health
- GOYA FOODS EMPLOYEESJersey City, NJ · $10M–$50M84Health
- P S ESomerset, NJ · $10M–$50M74Health
Compare Erie Lackawanna Railroad Co Emp vs JERSEY CITY FIREMEN
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 Erie Lackawanna Railroad Co Emp financially healthy?
Erie Lackawanna Railroad Co Emp has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 25.73% and delinquency rate of 1.20%.
How does Erie Lackawanna Railroad Co Emp compare to other credit unions?
PlainCU's health composite puts Erie Lackawanna Railroad Co Emp at 81/100, 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 Erie Lackawanna Railroad Co Emp?
Erie Lackawanna Railroad Co Emp 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 Erie Lackawanna Railroad Co Emp directly for the exact boundaries and application steps.
Is my money safe at Erie Lackawanna Railroad Co Emp?
Federal credit unions like Erie Lackawanna Railroad Co Emp 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. Erie Lackawanna Railroad Co Emp's net worth ratio of 25.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Erie Lackawanna Railroad Co Emp offer compared to banks?
Credit unions like Erie Lackawanna Railroad Co Emp 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 Erie Lackawanna Railroad Co Emp 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.