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
- CHARTER 76/100
- NCUSIF 9.1%
- CAMELS 2.81%
- HEALTH 0.41%
- NW $617.6M
- DELQ 29,903
- ROA #3,206/4,374
- ASSETS HOMELAND
- MEM 6665
Call Report peers
Financial Resources in the assets neighbourhood
Financial Resources's $617.6M assets sit next to HOMELAND ($617.9M) 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.
Financial Resources 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
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
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.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Financial Resources
Financial Resources: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $617.6M (2025Q4) to $634.2M (2026Q1).
- Net-worth ratio shifted -0.22 pp (9.31% → 9.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Financial Resources - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($617.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
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
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #3,206 of 4,374; by total assets it ranks #672 of 4,374 nationally (same basis as /rankings/largest); and #3 of 127 within New Jersey. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.09% 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 9.09% 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.
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.