Federal credit union · HOBOKEN, New Jersey · NCUA charter #2155
Hoboken School Employees
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $72.4M
- Total assets
- 1,508
- Members
- 21.0%
- Net-worth ratio
Hoboken School Employees scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $72.4M; members 1,508; net-worth ratio 21.00%; health rank #3,579 of 4,374; healthier than 17th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,579 of 4,374 health · 2025Q4Hoboken School Employees · health 70/100 · $72.4M · 2025Q4
- RANK 70/100
- PHOTO 21.0%
- BOOK 0.99%
- CHARTER 0.00%
- NCUSIF $72.4M
- CAMELS 1,508
- HEALTH #3,579/4,374
- NW Education Personnel
- DELQ 2155
Call Report peers
Hoboken School Employees in the assets neighbourhood
Hoboken School Employees's $72.4M assets sit next to Education Personnel ($72.4M) 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.
Hoboken School 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
70 17th percentile higher than 17% 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
Hoboken School Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #2155 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Hoboken School Employees: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 21.00% vs peer 13.62% (+7.38 pp).
- Largest lag: Loan-to-Share Ratio at 45.74% vs peer 62.60% (-16.86 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Hoboken School Employees: in-state Call Report ranks
- In New Jersey, health place is #79 of 127 on the same NCUA-ratio sort used nationally.
- New Jersey assets place: #37 of 127.
- New Jersey membership ordinal: #70 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Hoboken School Employees Call Report trajectory
Hoboken School Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $72.4M (2025Q4) to $73.6M (2026Q1).
- Net-worth ratio shifted -0.31 pp (21.31% → 21.00%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 21.00%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.1 pts
- Return on Assets 4.7 pts
- Member Growth 5.6 pts
- Loan-to-Share Ratio 9.6 pts
Call Report ratios for Hoboken School Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.00% | +7.38 pp |
| Delinquency Rate | 0.99% | +0.03 pp |
| Return on Assets | 0.00% | -0.65 pp |
| Member Growth | -1.89% | - |
| Loan-to-Share Ratio | 45.74% | -16.86 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $73.6M | - |
| 2025Q4 | $72.4M | 1,508 |
| 2024Q4 | $69.0M | 1,537 |
| 2023Q4 | $67.2M | 1,565 |
Credit Union Details
- Charter Number
- 2155
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New Jersey
- City
- HOBOKEN
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Hoboken School Employees.
| Office | City |
|---|---|
| OFFICE (Main Office) | HOBOKEN, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Hoboken School Employees, both outside New Jersey so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($72.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- Hoboken School Employees ranks #3,579 of 4,374 nationally on financial health and #79 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Poles is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Poles
- 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 Hoboken School Employees financially healthy?
A 21.00% net worth ratio and a 0.99% delinquency rate feed into Hoboken School Employees's financial health score of 70/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,579 of 4,374; by total assets it ranks #2,110 of 4,374 nationally (same basis as /rankings/largest); and #37 of 127 within New Jersey. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Hoboken School Employees compare to other credit unions?
70/100 is Hoboken School Employees's score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Hoboken School Employees?
Hoboken School 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 Hoboken School Employees directly for the exact boundaries and application steps.
Is my money safe at Hoboken School Employees?
Federal credit unions like Hoboken School 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. Hoboken School Employees's net worth ratio of 21.00% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hoboken School Employees offer compared to banks?
Credit unions like Hoboken School 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 Hoboken School 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.