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
Call Report peers
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Heard a.M.E. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Heard a.M.E. sits in 55-59 with 115 others.
56 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in New Jersey, Ocnac #1 (#116) ties at 56/100; one place down, Division 819 Transit Employees (#118) scores 55/100, 1 point lower.
Quarter path for Heard a.M.E.
Heard a.M.E.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.1% from $176K (2025Q4) to $174K (2026Q1).
- Net-worth ratio shifted +0.50 pp (7.94% → 8.44%).
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
Heard a.M.E. gives up 44 points in total. Return on Assets costs the most, 15 of its 15; Delinquency Rate loses the least, 3.5.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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.
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
Frequently Asked Questions
Is Heard a.M.E. financially healthy?
On its 2025Q4 NCUA 5300 filing, Heard a.M.E. scores 56/100 (Fair), with a 8.44% net worth ratio and 0.85% of loans delinquent. It ranks #4,167 of 4,374 nationally on health and #117 of 127 in New Jersey.
How does Heard a.M.E. compare to other credit unions?
Heard a.M.E. scores 56/100, higher than 5% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (0.85% vs 4.48%). Its widest shortfall is loan-to-share ratio (32.14% vs 52.70%).
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.?
Heard a.M.E. 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. Heard a.M.E.'s net worth ratio of 8.44% 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.