Federal credit union · HOBOKEN, New Jersey · NCUA charter #2155
Hoboken School Employees
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $72.4M
- Total assets
- 1,508
- Members
- 21.3%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)80
- Earnings (ROA)31
- Member growth37
- Liquidity (loan-to-share)67
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 21.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 21.31% | 30% |
| Delinquency Rate | 0.99% | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | -1.89% | 15% |
| Loan-to-Share Ratio | 45.74% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Hoboken School Employees
Charter #2155, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Hoboken School Employees, a federal credit union in HOBOKEN, New Jersey with 1,508 members, $72.4M in total assets, and $25.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 70/100 (Very Good), helped by a net worth ratio of 21.31% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.99% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers - and a 45.74% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.00% on net income of $3K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.89%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Hoboken School Employees financially healthy?
A 21.31% 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. 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 21.31% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.