Federal credit union · Branchburg, New Jersey · NCUA charter #6665
Financial Resources
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $617.6M
- Total assets
- 29,903
- Members
- 9.3%
- Net-worth ratio
Financial Resources - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #6665: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Financial Resources - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)94
- Asset quality (delinquency)30
- Earnings (ROA)91
- Member growth81
- Liquidity (loan-to-share)100
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.29%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.29% | 30% |
| Delinquency Rate | 2.81% | 25% |
| Return on Assets | 0.41% | 15% |
| Member Growth | 2.57% | 15% |
| Loan-to-Share Ratio | 85.81% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Financial Resources
Financial Resources is a federal credit union headquartered in Branchburg, New Jersey, serving 29,903 members with $617.6M in total assets and $473.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 76/100 (Very Good), anchored by a net worth ratio of 9.29% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #6665 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 2.81% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers - and a 85.81% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.41% on net income of $2.5M 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 2.57%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
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 Financial Resources financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Financial Resources carries a financial health score of 76/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.29% net worth ratio and a 2.81% delinquency rate.
How does Financial Resources compare to other credit unions?
PlainCU's health composite puts Financial Resources at 76/100, compared to a peer group average for Over $500M 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 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?
Federal credit unions like Financial Resources 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. Financial Resources's net worth ratio of 9.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Financial Resources offer compared to banks?
Credit unions like Financial Resources 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 Financial Resources 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.