Federal credit union · Joint Base MDL, New Jersey · NCUA charter #15513
Fort Dix
Health score 55/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $7.3M
- Total assets
- 541
- Members
- 10.5%
- Net-worth ratio
Fort Dix - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #15513, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Fort Dix - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)74
- Member growth40
- Liquidity (loan-to-share)55
Weighted composite: 55/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.54% | 30% |
| Delinquency Rate | 4.96% | 25% |
| Return on Assets | 0.24% | 15% |
| Member Growth | -1.64% | 15% |
| Loan-to-Share Ratio | 25.80% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $7.3M | 541 |
| 2024Q4 | $6.8M | 550 |
| 2023Q4 | $6.7M | 590 |
Credit Union Details
- Charter Number
- 15513
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- Joint Base MDL
- Data Quarter
- 2025Q4
What This Data Says About Fort Dix
Headquartered in Joint Base MDL, New Jersey, Fort Dix is a federal credit union with 541 members, $7.3M in total assets, and $1.7M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 55/100 (Fair), driven in part by a net worth ratio of 10.54% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #15513 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 4.96% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. The loan-to-share ratio of 25.80% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.24% on net income of $17K 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 -1.64%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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 Fort Dix financially healthy?
Fort Dix has a financial health score of 55/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.54% and delinquency rate of 4.96%.
How does Fort Dix compare to other credit unions?
Fort Dix scores 55/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Dix?
Membership eligibility for Fort Dix depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Fort Dix directly for current membership requirements and application steps.
Is my money safe at Fort Dix?
Federal credit unions like Fort Dix 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 Dix's net worth ratio of 10.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fort Dix offer compared to banks?
Credit unions like Fort Dix 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 Dix 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.