Federal credit union · CRANFORD, New Jersey · NCUA charter #2493
Jersey Central
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $24.0M
- Total assets
- 4,002
- Members
- 17.3%
- Net-worth ratio
Jersey Central scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.0M; members 4,002; net-worth ratio 17.33%; health rank #3,943 of 4,374; healthier than 9th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,943 of 4,374 health · 2025Q4Jersey Central · health 63/100 · $24.0M · 2025Q4
Call Report peers
Jersey Central in the assets neighbourhood
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Jersey Central vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Jersey Central sits in 60-64 with 179 others.
63 9th percentile higher than 9% 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
Jersey Central vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 69.31% here, 59.80% peer average (+9.51 pp).
- Largest lag: Delinquency Rate at 2.52% vs peer 1.15% (+1.37 pp).
New Jersey standing for Jersey Central
- New Jersey health ordinal: #104 of 127.
- Assets rank #61 of 127 inside New Jersey ($24.0M reported).
- New Jersey membership ordinal: #38 of 127.
- One place up in New Jersey, Fort Billings (#103) scores 64/100, 1 point higher; one place down, Greater Alliance (#105) ties at 63/100.
How Jersey Central's 5300 filing moved
Jersey Central: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $24.0M (2025Q4) to $24.2M (2026Q1).
- Net-worth ratio shifted -0.31 pp (17.64% → 17.33%).
This credit union's 17.33% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 63/100 score is built
Jersey Central gives up 37 points in total. Delinquency Rate costs the most, 15.7 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.3 pts
- Return on Assets 9.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.33% | +2.47 pp |
| Delinquency Rate | 2.52% | +1.37 pp |
| Return on Assets | 0.10% | -0.60 pp |
| Member Growth | -5.37% | - |
| Loan-to-Share Ratio | 69.31% | +9.51 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Jersey Central quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.2M | - |
| 2025Q4 | $24.0M | 4,002 |
| 2024Q4 | $22.5M | 4,229 |
| 2023Q4 | $22.1M | 4,046 |
Credit Union Details
- Charter Number
- 2493
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- CRANFORD
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Jersey Central, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Cranford, NJ |
| Vital Records | Cherry Hill, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Jersey Central
Similar total assets
Using this data
- Jersey Central ranks #3,943 of 4,374 nationally on financial health and #104 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MID-STATE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MID-STATE
Frequently Asked Questions
Is Jersey Central financially healthy?
Jersey Central has a financial health score of 63/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,943 of 4,374 nationally on health and #104 of 127 in New Jersey. Its net worth ratio is 17.33% and its delinquency rate 2.52%.
How does Jersey Central compare to other credit unions?
Jersey Central scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (69.31% vs 59.80%). Its widest shortfall is delinquency rate (2.52% vs 1.15%).
How can I join Jersey Central?
Jersey Central 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 Jersey Central directly for the exact boundaries and application steps.
Is my money safe at Jersey Central?
Jersey Central 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. Jersey Central's net worth ratio of 17.33% 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.