Federal credit union · Rochelle Park, New Jersey · NCUA charter #17569
H. E. Telephone
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $45.9M
- Total assets
- 2,684
- Members
- 15.1%
- Net-worth ratio
H. E. Telephone scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.9M; members 2,684; net-worth ratio 15.14%; health rank #2,233 of 4,374; healthier than 46th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,233 of 4,374 health · 2025Q4H. E. Telephone · health 83/100 · $45.9M · 2025Q4
Call Report peers
H. E. Telephone in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
H. E. Telephone vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); H. E. Telephone sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
H. E. Telephone: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.67% here, 1.15% peer average (-0.47 pp).
- Widest shortfall vs peers is Return on Assets: -0.49 pp (0.21% vs 0.70%).
H. E. Telephone in New Jersey
- In New Jersey, health place is #28 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #46 of 127 inside New Jersey ($45.9M reported).
- New Jersey membership ordinal: #53 of 127.
- One place up in New Jersey, Peoples Transport (#27) scores 84/100, 1 point higher; one place down, Fairleigh Dickinson University (#29) ties at 83/100.
How H. E. Telephone's 5300 filing moved
H. E. Telephone: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $45.9M (2025Q4) to $46.1M (2026Q1).
- Net-worth ratio shifted -0.06 pp (15.20% → 15.14%).
15.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
H. E. Telephone gives up 17 points in total. Member Growth costs the most, 9.1 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 10.7 pts
- Member Growth 5.9 pts
- Loan-to-Share Ratio 13.1 pts
H. E. Telephone vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.14% | +0.28 pp |
| Delinquency Rate | 0.67% | -0.47 pp |
| Return on Assets | 0.21% | -0.49 pp |
| Member Growth | -1.72% | - |
| Loan-to-Share Ratio | 59.53% | -0.27 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - H. E. Telephone
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $46.1M | - |
| 2025Q4 | $45.9M | 2,684 |
| 2024Q4 | $48.0M | 2,731 |
| 2023Q4 | $47.4M | 2,814 |
Credit Union Details
- Charter Number
- 17569
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Rochelle Park
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, H. E. Telephone runs one office.
| Office | City |
|---|---|
| Rochelle Park (Main Office) | Rochelle Park, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
- SOUTHERN MIDDLESEX CO TCHRSEast Brunswick, NJ · $10M–$50M68Health
- POSTAL EMPLOYEESYARDVILLE, NJ · $10M–$50M46Health
- CENTRAL JERSEY POLICE & FIREHamilton, NJ · $10M–$50M97Health
- MERCER COUNTY NJ TEACHERSHAMILTON SQUARE, NJ · $10M–$50M79Health
- BRIDGETON ONIZEDCedarville, NJ · $10M–$50M71Health
H. E. Telephone nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- H. E. Telephone ranks #2,233 of 4,374 nationally on financial health and #28 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southern Middlesex Co Tchrs is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southern Middlesex Co Tchrs
Frequently Asked Questions
Is H. E. Telephone financially healthy?
H. E. Telephone has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,233 of 4,374 nationally on health and #28 of 127 in New Jersey. Its net worth ratio is 15.14% and its delinquency rate 0.67%.
How does H. E. Telephone compare to other credit unions?
H. E. Telephone scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.67% vs 1.15%). Its widest shortfall is return on assets (0.21% vs 0.70%).
How can I join H. E. Telephone?
H. E. Telephone 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 H. E. Telephone directly for the exact boundaries and application steps.
Is my money safe at H. E. Telephone?
H. E. Telephone 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. H. E. Telephone's net worth ratio of 15.14% 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.