Federal credit union · ROSELLE, New Jersey · NCUA charter #23615
Heard a.M.E.
Health score 56/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $176K
- Total assets
- 167
- Members
- 8.4%
- Net-worth ratio
Heard a.M.E. scores 56/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $176K; members 167; net-worth ratio 8.44%; health rank #4,167 of 4,374; healthier than 5th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,167 of 4,374 health · 2025Q4Heard a.M.E. · health 56/100 · $176K · 2025Q4
- RANK 56/100
- PHOTO 8.4%
- BOOK 0.85%
- CHARTER -3.12%
- NCUSIF $176K
- CAMELS 167
- HEALTH #4,167/4,374
- NW n/a
- DELQ 23615
Call Report peers
Heard a.M.E. carries $176K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Heard a.M.E. 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
56 5th percentile higher than 5% 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
Heard a.M.E. - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #23615 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Heard a.M.E. vs Under $2M peers
- Delinquency Rate leads the peer set - 0.85% here, 4.48% peer average (-3.62 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -20.56 pp (32.14% vs 52.70%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Heard a.M.E. in New Jersey
- Health composite ranks #117 of 127 among scored New Jersey credit unions.
- By total assets, Heard a.M.E. is #127 of 127 in New Jersey.
- Membership ranks #123 of 127 among New Jersey CUs with a reported count (167 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.
Quarter path for Heard a.M.E.
Heard a.M.E.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $176K (2025Q4) to $174K (2026Q1).
- Net-worth ratio shifted +0.50 pp (7.94% → 8.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.44%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 56/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 56.
- Net Worth Ratio 26.1 pts
- Delinquency Rate 21.5 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.4 pts
Call Report ratios for Heard a.M.E.
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.44% | -14.49 pp |
| Delinquency Rate | 0.85% | -3.62 pp |
| Return on Assets | -3.12% | -3.34 pp |
| Member Growth | -8.24% | - |
| Loan-to-Share Ratio | 32.14% | -20.56 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $174K | - |
| 2025Q4 | $176K | 167 |
| 2024Q4 | $194K | 182 |
| 2023Q4 | $201K | 188 |
Credit Union Details
- Charter Number
- 23615
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New Jersey
- City
- ROSELLE
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Heard a.M.E..
| Office | City |
|---|---|
| Heard A M E Church (Main Office) | Roselle, 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.
Cross-state Call Report peers for Heard a.M.E.
Cross-state asset and health neighbours for Heard a.M.E. - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (56/100 here).
Using this data
- Heard a.M.E. ranks #4,167 of 4,374 nationally on financial health and #117 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Israel Memorial a M E is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Israel Memorial a M E
- 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 Heard a.M.E. financially healthy?
A 8.44% net worth ratio and a 0.85% delinquency rate feed into Heard a.M.E.'s financial health score of 56/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,167 of 4,374; by total assets it ranks #4,351 of 4,374 nationally (same basis as /rankings/largest); and #127 of 127 within New Jersey. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Heard a.M.E. compare to other credit unions?
56/100 is Heard a.M.E.'s score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Heard a.M.E.?
Heard a.M.E. 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 Heard a.M.E. directly for the exact boundaries and application steps.
Is my money safe at Heard a.M.E.?
Federal credit unions like Heard a.M.E. 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. Heard a.M.E.'s net worth ratio of 8.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Heard a.M.E. offer compared to banks?
Credit unions like Heard a.M.E. 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 Heard a.M.E. 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.