Federal credit union · Jersey City, New Jersey · NCUA charter #23678
Goya Foods Employees
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $11.1M
- Total assets
- 679
- Members
- 20.7%
- Net-worth ratio
Goya Foods Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #23678 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Goya Foods Employees - 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)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth48
- Liquidity (loan-to-share)47
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 20.69%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 20.69% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.93% | 15% |
| Member Growth | -1.02% | 15% |
| Loan-to-Share Ratio | 12.13% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $11.1M | 679 |
| 2024Q4 | $11.5M | 686 |
| 2023Q4 | $12.6M | 709 |
Credit Union Details
- Charter Number
- 23678
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Jersey City
- Data Quarter
- 2025Q4
What This Data Says About Goya Foods Employees
The five-factor composite scores Goya Foods Employees at 84/100 (Excellent), reflecting a net worth ratio of 20.69% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Jersey City, New Jersey, reports 679 members, $11.1M in total assets, and $1.0M in outstanding loans as of Q4 2025 under charter #23678 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 12.13% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.93% on net income of $103K 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 -1.02%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); 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 Goya Foods Employees financially healthy?
Goya Foods Employees has a financial health score of 84/100 (Excellent) 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 20.69% and delinquency rate of 0.00%.
How does Goya Foods Employees compare to other credit unions?
PlainCU's health composite puts Goya Foods Employees at 84/100, compared to a peer group average for $10M–$50M 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 Goya Foods Employees?
Goya Foods Employees 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 Goya Foods Employees directly for the exact boundaries and application steps.
Is my money safe at Goya Foods Employees?
Federal credit unions like Goya Foods Employees 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. Goya Foods Employees's net worth ratio of 20.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Goya Foods Employees offer compared to banks?
Credit unions like Goya Foods Employees 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 Goya Foods Employees 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.