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
- RANK 63/100
- PHOTO 17.3%
- BOOK 2.52%
- CHARTER 0.10%
- NCUSIF $24.0M
- CAMELS 4,002
- HEALTH #3,943/4,374
- NW Cobblestone Country
- DELQ 2493
Call Report peers
Jersey Central in the assets neighbourhood
Jersey Central's $24.0M assets sit next to Cobblestone Country ($24.0M) 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.
Jersey Central 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
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 - Share Insurance Coverage
Charter #2493's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Jersey Central's 5300 filing moved
Jersey Central: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $24.0M (2025Q4) to $24.2M (2026Q1).
- Net-worth ratio shifted -0.31 pp (17.64% → 17.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Jersey Central, 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 ($24.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
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
- 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 Jersey Central financially healthy?
A 17.33% net worth ratio and a 2.52% delinquency rate feed into Jersey Central's financial health score of 63/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,943 of 4,374; by total assets it ranks #3,023 of 4,374 nationally (same basis as /rankings/largest); and #61 of 127 within New Jersey. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Jersey Central compare to other credit unions?
Jersey Central scores 63/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like Jersey Central 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. Jersey Central's net worth ratio of 17.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Jersey Central offer compared to banks?
Credit unions like Jersey Central 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 Jersey Central 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.