Federal credit union · NEWARK, New Jersey · NCUA charter #4894
Federal Employees Newark
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $14.8M
- Total assets
- 2,643
- Members
- 17.2%
- Net-worth ratio
Federal Employees Newark scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.8M; members 2,643; net-worth ratio 17.16%; health rank #1,904 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,904 of 4,374 health · 2025Q4Federal Employees Newark · health 85/100 · $14.8M · 2025Q4
- HEALTH 85/100
- NW 17.2%
- DELQ 0.10%
- ROA -0.46%
- ASSETS $14.8M
- MEM 2,643
- RANK #1,904/4,374
- PHOTO BLACKHAWK
- BOOK 4894
Call Report peers
Federal Employees Newark in the assets neighbourhood
Federal Employees Newark's $14.8M assets sit next to BLACKHAWK ($14.8M) 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.
Federal Employees Newark 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
85 Top 46% higher than 54% 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
Federal Employees Newark - Share Insurance Coverage
Charter #4894'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.
Federal Employees Newark: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 70.41% here, 59.80% peer average (+10.61 pp).
- Largest lag: Return on Assets at -0.46% vs peer 0.70% (-1.17 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Federal Employees Newark in New Jersey
- Health composite ranks #20 of 127 among scored New Jersey credit unions.
- By total assets, Federal Employees Newark is #72 of 127 in New Jersey.
- Member book place in New Jersey: #55 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.
Federal Employees Newark Call Report trajectory
Federal Employees Newark: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $14.8M (2025Q4) to $14.8M (2026Q1).
- Net-worth ratio shifted -0.10 pp (17.26% → 17.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.16% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.4 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Federal Employees Newark
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.16% | +2.30 pp |
| Delinquency Rate | 0.10% | -1.04 pp |
| Return on Assets | -0.46% | -1.17 pp |
| Member Growth | 12.71% | - |
| Loan-to-Share Ratio | 70.41% | +10.61 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.8M | - |
| 2025Q4 | $14.8M | 2,643 |
| 2024Q4 | $15.0M | 2,345 |
| 2023Q4 | $14.9M | 2,304 |
Credit Union Details
- Charter Number
- 4894
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- NEWARK
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Federal Employees Newark.
| Office | City |
|---|---|
| FEDERAL EMPLOYEES NEWARK FEDERAL CREDIT UNION (Main Office) | Newark, 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.
- DIVISION 819 TRANSIT EMPLOYEESIRVINGTON, NJ · $10M–$50M55Health
- PATHJersey City, NJ · $10M–$50M53Health
- LOCAL 1233Newark, NJ · $10M–$50M90Health
- PUBLIC SERVICE PLAZANewark, NJ · $10M–$50M80Health
- TEANECKTEANECK, NJ · $10M–$50M64Health
Compare Federal Employees Newark vs DIVISION 819 TRANSIT EMPLOYEES
Cross-state Call Report peers for Federal Employees Newark
Cross-state asset and health neighbours for Federal Employees Newark - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Federal Employees Newark ranks #1,904 of 4,374 nationally on financial health and #20 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Division 819 Transit Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Division 819 Transit Employees
- 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 Federal Employees Newark financially healthy?
Federal Employees Newark scores 85/100 (Excellent) 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 #1,904 of 4,374; by total assets it ranks #3,330 of 4,374 nationally (same basis as /rankings/largest); and #72 of 127 within New Jersey. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 17.16% net worth ratio and a 0.10% delinquency rate.
How does Federal Employees Newark compare to other credit unions?
PlainCU's health composite puts Federal Employees Newark at 85/100, 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 Federal Employees Newark?
Federal Employees Newark 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 Federal Employees Newark directly to confirm current membership steps.
Is my money safe at Federal Employees Newark?
Federal credit unions like Federal Employees Newark 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. Federal Employees Newark's net worth ratio of 17.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Federal Employees Newark offer compared to banks?
Credit unions like Federal Employees Newark 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 Federal Employees Newark 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.