Federal credit union · JERSEY CITY, New Jersey · NCUA charter #6944
Jersey City Police
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $8.0M
- Total assets
- 1,027
- Members
- 27.3%
- Net-worth ratio
Jersey City Police scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.0M; members 1,027; net-worth ratio 27.27%; health rank #3,571 of 4,374; healthier than 17th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,571 of 4,374 health · 2025Q4Jersey City Police · health 70/100 · $8.0M · 2025Q4
- DELQ 70/100
- ROA 27.3%
- ASSETS 2.39%
- MEM 1.56%
- RANK $8.0M
- PHOTO 1,027
- BOOK #3,571/4,374
- CHARTER n/a
- NCUSIF 6944
Call Report peers
Jersey City Police carries $8.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Jersey City Police 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
Jersey City Police - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #6944, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Jersey City Police vs $2M–$10M peers
- Largest favorable gap: Net Worth Ratio at 27.27% vs peer 19.06% (+8.21 pp).
- Loan-to-Share Ratio trails the peer set - 35.50% here, 63.60% peer average (-28.10 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Jersey City Police: in-state Call Report ranks
- New Jersey health ordinal: #78 of 127.
- New Jersey assets place: #90 of 127.
- New Jersey membership ordinal: #85 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.
Jersey City Police Call Report trajectory
Jersey City Police: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $8.0M (2025Q4) to $8.1M (2026Q1).
- Net-worth ratio shifted +0.14 pp (27.13% → 27.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 27.27% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action 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 10.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 8.8 pts
Jersey City Police health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 27.27% | +8.21 pp |
| Delinquency Rate | 2.39% | +0.58 pp |
| Return on Assets | 1.56% | +1.11 pp |
| Member Growth | -1.53% | - |
| Loan-to-Share Ratio | 35.50% | -28.10 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Jersey City Police filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.1M | - |
| 2025Q4 | $8.0M | 1,027 |
| 2024Q4 | $8.7M | 1,043 |
| 2023Q4 | $9.0M | 1,043 |
Credit Union Details
- Charter Number
- 6944
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- JERSEY CITY
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Jersey City Police runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Jersey City Police FCU (Main Office) | Jersey City, NJ |
| FedComp | Fairfax, VA |
| JC Police | Jersey City, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
Other-state peers near Jersey City Police
Jersey City Police's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- Jersey City Police ranks #3,571 of 4,374 nationally on financial health and #78 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- I.L.a. Local 1235 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with I.L.a. Local 1235
- 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 Police financially healthy?
A 27.27% net worth ratio and a 2.39% delinquency rate feed into Jersey City Police'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 #3,571 of 4,374; by total assets it ranks #3,674 of 4,374 nationally (same basis as /rankings/largest); and #90 of 127 within New Jersey. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Jersey City Police compare to other credit unions?
70/100 is Jersey City Police's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Police?
Jersey City Police 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 Police directly to confirm current membership steps.
Is my money safe at Jersey City Police?
Federal credit unions like Jersey City Police 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 Police's net worth ratio of 27.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Jersey City Police offer compared to banks?
Credit unions like Jersey City Police 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 Police 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.