Federal credit union · Jersey City, New Jersey · NCUA charter #6700
Jersey City Firemen
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $11.6M
- Total assets
- 1,252
- Members
- 46.6%
- Net-worth ratio
Jersey City Firemen scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.6M; members 1,252; net-worth ratio 46.63%; health rank #2,912 of 4,374; healthier than 31st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,912 of 4,374 health · 2025Q4Jersey City Firemen · health 78/100 · $11.6M · 2025Q4
- NCUSIF 78/100
- CAMELS 46.6%
- HEALTH 0.57%
- NW -0.11%
- DELQ $11.6M
- ROA 1,252
- ASSETS #2,912/4,374
- MEM Topeka Firemen's
- RANK 6700
Call Report peers
Jersey City Firemen in the assets neighbourhood
Jersey City Firemen's $11.6M assets sit next to Topeka Firemen's ($11.5M) 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 City Firemen 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
78 31st percentile higher than 31% 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 City Firemen - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #6700 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Jersey City Firemen diverges from peer averages
- Net Worth Ratio leads the peer set - 46.63% here, 14.86% peer average (+31.77 pp).
- Largest lag: Return on Assets at -0.11% vs peer 0.70% (-0.81 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Jersey City Firemen in New Jersey
- New Jersey health ordinal: #48 of 127.
- By total assets, Jersey City Firemen is #79 of 127 in New Jersey.
- Member book place in New Jersey: #78 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 City Firemen's 5300 filing moved
Jersey City Firemen: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $11.6M (2025Q4) to $11.6M (2026Q1).
- Net-worth ratio shifted -0.11 pp (46.74% → 46.63%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
46.63% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.3 pts
- Return on Assets 3.5 pts
- Member Growth 4.9 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 46.63% | +31.77 pp |
| Delinquency Rate | 0.57% | -0.58 pp |
| Return on Assets | -0.11% | -0.81 pp |
| Member Growth | -2.26% | - |
| Loan-to-Share Ratio | 85.70% | +25.90 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).
Call Report history - Jersey City Firemen
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.6M | - |
| 2025Q4 | $11.6M | 1,252 |
| 2024Q4 | $11.5M | 1,281 |
| 2023Q4 | $12.3M | 1,294 |
Credit Union Details
- Charter Number
- 6700
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Jersey City
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Jersey City Firemen.
| Office | City |
|---|---|
| Jersey City Firemen FCU (Main Office) | Jersey City, 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 City Firemen
Jersey City Firemen's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Jersey City Firemen ranks #2,912 of 4,374 nationally on financial health and #48 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WAKEFERN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WAKEFERN
- 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 City Firemen financially healthy?
Jersey City Firemen has a financial health score of 78/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,912 of 4,374; by total assets it ranks #3,479 of 4,374 nationally (same basis as /rankings/largest); and #79 of 127 within New Jersey. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 46.63% and delinquency rate of 0.57%.
How does Jersey City Firemen compare to other credit unions?
78/100 is Jersey City Firemen's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Jersey City Firemen?
Jersey City Firemen carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Jersey City Firemen directly to confirm current membership steps.
Is my money safe at Jersey City Firemen?
Federal credit unions like Jersey City Firemen 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 City Firemen's net worth ratio of 46.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Jersey City Firemen offer compared to banks?
Credit unions like Jersey City Firemen 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 City Firemen 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.