Federal credit union · PRINCETON, New Jersey · NCUA charter #24150
Healthcare Employees
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $130.5M
- Total assets
- 14,774
- Members
- 13.5%
- Net-worth ratio
Healthcare Employees scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $130.5M; members 14,774; net-worth ratio 13.50%; health rank #89 of 4,374; healthier than 97th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#89 of 4,374 health · 2025Q4Healthcare Employees · health 98/100 · $130.5M · 2025Q4
- NW 98/100
- DELQ 13.5%
- ROA 0.53%
- ASSETS 1.02%
- MEM $130.5M
- RANK 14,774
- PHOTO #89/4,374
- BOOK Okaloosa County Teachers
- CHARTER 24150
Call Report peers
Healthcare Employees in the assets neighbourhood
Healthcare Employees's $130.5M assets sit next to Okaloosa County Teachers ($130.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Healthcare Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
98 Top 3% higher than 97% 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
Healthcare Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24150. See our deposit-insurance coverage note.
Peer-gap read for Healthcare Employees
- Largest favorable gap: Net Worth Ratio at 13.50% vs peer 12.11% (+1.39 pp).
- Largest lag: Loan-to-Share Ratio at 68.68% vs peer 72.20% (-3.52 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Healthcare Employees sits in New Jersey
- Health composite ranks #1 of 127 among scored New Jersey credit unions.
- By total assets, Healthcare Employees is #23 of 127 in New Jersey.
- Membership ranks #17 of 127 among New Jersey CUs with a reported count (14,774 members).
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Healthcare Employees's 5300 filing moved
Healthcare Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $130.5M (2025Q4) to $134.7M (2026Q1).
- Net-worth ratio shifted +0.12 pp (13.38% → 13.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.50% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.7 pts
- Return on Assets 15.0 pts
- Member Growth 13.2 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for Healthcare Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.50% | +1.39 pp |
| Delinquency Rate | 0.53% | -0.37 pp |
| Return on Assets | 1.02% | +0.40 pp |
| Member Growth | 3.47% | - |
| Loan-to-Share Ratio | 68.68% | -3.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Healthcare Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $134.7M | - |
| 2025Q4 | $130.5M | 14,774 |
| 2024Q4 | $130.0M | 14,278 |
| 2023Q4 | $134.8M | 14,824 |
Credit Union Details
- Charter Number
- 24150
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- PRINCETON
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Healthcare Employees runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Princeton, NJ |
| Mount Holly | Mount Holly, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Healthcare Employees - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($130.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- Healthcare Employees ranks #89 of 4,374 nationally on financial health and #1 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members 1st of Nj is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members 1st of Nj
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Healthcare Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Healthcare Employees carries a financial health score of 98/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #89 of 4,374; by total assets it ranks #1,597 of 4,374 nationally (same basis as /rankings/largest); and #23 of 127 within New Jersey. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.50% net worth ratio and a 0.53% delinquency rate.
How does Healthcare Employees compare to other credit unions?
On PlainCU's health composite, Healthcare Employees lands at 98/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Healthcare Employees?
Healthcare 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 Healthcare Employees directly for the exact boundaries and application steps.
Is my money safe at Healthcare Employees?
Federal credit unions like Healthcare 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. Healthcare Employees's net worth ratio of 13.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Healthcare Employees offer compared to banks?
Credit unions like Healthcare 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 Healthcare Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.