Federal credit union · Branchburg, New Jersey · NCUA charter #6665
Financial Resources
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $617.6M
- Total assets
- 29,903
- Members
- 9.1%
- Net-worth ratio
Financial Resources scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $617.6M; members 29,903; net-worth ratio 9.09%; health rank #3,206 of 4,374; healthier than 26th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,206 of 4,374 health · 2025Q4Financial Resources · health 76/100 · $617.6M · 2025Q4
Call Report peers
Financial Resources in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Financial Resources vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Financial Resources sits in 75-79 with 502 others.
76 26th percentile higher than 26% 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 Financial Resources
- Largest favorable gap: Loan-to-Share Ratio at 85.81% vs peer 83.90% (+1.91 pp).
- Largest lag: Net Worth Ratio at 9.09% vs peer 11.18% (-2.09 pp).
New Jersey standing for Financial Resources
- In New Jersey, health place is #56 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #3 of 127 inside New Jersey ($617.6M reported).
- New Jersey membership ordinal: #5 of 127.
- One place up in New Jersey, Parlin Dupont Employees (#55) ties at 76/100; one place down, County Excellence (#57) ties at 76/100.
Quarter path for Financial Resources
Financial Resources: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $617.6M (2025Q4) to $634.2M (2026Q1).
- Net-worth ratio shifted -0.22 pp (9.31% → 9.09%).
At 9.09%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 76/100 score is built
Financial Resources gives up 24 points in total. Delinquency Rate costs the most, 17.6 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 27.7 pts
- Delinquency Rate 7.4 pts
- Return on Assets 13.6 pts
- Member Growth 12.1 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.09% | -2.09 pp |
| Delinquency Rate | 2.81% | +1.94 pp |
| Return on Assets | 0.41% | -0.10 pp |
| Member Growth | 2.57% | - |
| Loan-to-Share Ratio | 85.81% | +1.91 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Financial Resources
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $634.2M | - |
| 2025Q4 | $617.6M | 29,903 |
| 2024Q4 | $616.2M | 29,153 |
| 2023Q4 | $642.3M | 28,733 |
Credit Union Details
- Charter Number
- 6665
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New Jersey
- City
- Branchburg
- Data Quarter
- 2025Q4
Branch Locations (10)
Financial Resources operates 10 offices across 9 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Financial Resources FCU-Administration Branch (Main Office) | Branchburg, NJ |
| Financial Resources FCU - Elizabeth Branch | Elizabeth, NJ |
| Financial Resources FCU - Flemington Branch | Flemington, NJ |
| Financial Resources FCU- Green Brook Branch | Green Brook, NJ |
| Financial Resources FCU - Jersey City Branch | Jersey City, NJ |
| Financial Resources FCU - c/o J&J Corporate | New Brunswick, NJ |
| Financial Resources FCU -c/o Ortho Clinical Diagnostics | Raritan, NJ |
| Financial Resources FCU-c/o Janssen Pharmaceutical Cos. of J&J | Raritan, NJ |
| Financial Resources FCU-Easton Ave Branch | Somerset, NJ |
| Financial Resources FCU-c/o Janssen Pharmaceutica | Titusville, 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
- Financial Resources ranks #3,206 of 4,374 nationally on financial health and #56 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PROPONENT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PROPONENT
Frequently Asked Questions
Is Financial Resources financially healthy?
Financial Resources has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,206 of 4,374 nationally on health and #56 of 127 in New Jersey. Its net worth ratio is 9.09% and its delinquency rate 2.81%.
How does Financial Resources compare to other credit unions?
Financial Resources scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (85.81% vs 83.90%). Its widest shortfall is net worth ratio (9.09% vs 11.18%).
How can I join Financial Resources?
Financial Resources 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 Financial Resources directly for the exact boundaries and application steps.
Is my money safe at Financial Resources?
Financial Resources 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. Financial Resources's net worth ratio of 9.09% 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.