Federal credit union · PAULSBORO, New Jersey · NCUA charter #1167
Fort Billings
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $64.1M
- Total assets
- 3,483
- Members
- 7.4%
- Net-worth ratio
Fort Billings - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1167 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Fort Billings - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)78
- Asset quality (delinquency)61
- Earnings (ROA)23
- Member growth35
- Liquidity (loan-to-share)79
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.40% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.40% | 30% |
| Delinquency Rate | 1.63% | 25% |
| Return on Assets | -0.12% | 15% |
| Member Growth | -2.05% | 15% |
| Loan-to-Share Ratio | 55.74% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $64.1M | 3,483 |
| 2024Q4 | $62.8M | 3,556 |
| 2023Q4 | $63.8M | 3,593 |
Credit Union Details
- Charter Number
- 1167
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New Jersey
- City
- PAULSBORO
- Data Quarter
- 2025Q4
What This Data Says About Fort Billings
Headquartered in PAULSBORO, New Jersey, Fort Billings is a federal credit union with 3,483 members, $64.1M in total assets, and $32.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 59/100 (Fair), driven in part by a net worth ratio of 7.40% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #1167 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
1.63% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Deposit deployment is captured by the 55.74% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.12% on net income of $-78885 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 -2.05%. 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
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
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 Fort Billings financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Fort Billings carries a financial health score of 59/100 (Fair). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.40% net worth ratio and a 1.63% delinquency rate.
How does Fort Billings compare to other credit unions?
PlainCU's health composite puts Fort Billings at 59/100, compared to a peer group average for $50M–$100M 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 Fort Billings?
Fort Billings 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 Fort Billings directly for the exact boundaries and application steps.
Is my money safe at Fort Billings?
Federal credit unions like Fort Billings 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. Fort Billings's net worth ratio of 7.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fort Billings offer compared to banks?
Credit unions like Fort Billings 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 Fort Billings 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.