Federal credit union · PAULSBORO, New Jersey · NCUA charter #1167
Fort Billings
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $64.1M
- Total assets
- 3,483
- Members
- 9.3%
- Net-worth ratio
Fort Billings scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $64.1M; members 3,483; net-worth ratio 9.26%; health rank #3,924 of 4,374; healthier than 10th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,924 of 4,374 health · 2025Q4Fort Billings · health 64/100 · $64.1M · 2025Q4
Call Report peers
Fort Billings in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Fort Billings vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Fort Billings sits in 60-64 with 179 others.
64 10th percentile higher than 10% 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
Where Fort Billings diverges from peer averages
- Loan-to-Share Ratio trails the peer set - 55.74% here, 62.60% peer average (-6.86 pp).
Fort Billings: in-state Call Report ranks
- New Jersey health ordinal: #103 of 127.
- New Jersey assets place: #40 of 127.
- Membership ranks #47 of 127 among New Jersey CUs with a reported count (3,483 members).
- One place up in New Jersey, TEANECK (#102) ties at 64/100; one place down, Jersey Central (#104) scores 63/100, 1 point lower.
Quarter path for Fort Billings
Fort Billings: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $64.1M (2025Q4) to $64.6M (2026Q1).
- Net-worth ratio shifted -0.11 pp (9.37% → 9.26%).
This credit union's 9.26% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 64/100 score is built
Fort Billings gives up 36 points in total. Return on Assets costs the most, 11.6 of its 15; Net Worth Ratio loses the least, 1.9.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 15.3 pts
- Return on Assets 3.4 pts
- Member Growth 5.3 pts
- Loan-to-Share Ratio 11.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.26% | -4.36 pp |
| Delinquency Rate | 1.63% | +0.67 pp |
| Return on Assets | -0.12% | -0.78 pp |
| Member Growth | -2.05% | - |
| Loan-to-Share Ratio | 55.74% | -6.86 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Fort Billings quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $64.6M | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Fort Billings, spread across 2 cities.
| Office | City |
|---|---|
| FORT BILLINGS FEDERAL CREDIT UNION (Main Office) | GIBBSTOWN, NJ |
| Pureland Branch | Swedesboro, 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.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Fort Billings ranks #3,924 of 4,374 nationally on financial health and #103 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- New Jersey Law and Public Safety is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with New Jersey Law and Public Safety
Frequently Asked Questions
Is Fort Billings financially healthy?
On its 2025Q4 NCUA 5300 filing, Fort Billings scores 64/100 (Good), with a 9.26% net worth ratio and 1.63% of loans delinquent. It ranks #3,924 of 4,374 nationally on health and #103 of 127 in New Jersey.
How does Fort Billings compare to other credit unions?
Fort Billings scores 64/100, higher than 10% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (55.74% vs 62.60%).
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?
Fort Billings 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. Fort Billings's net worth ratio of 9.26% 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.