Federal credit union · Northfield, New Jersey · NCUA charter #15483
Jersey Shore
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $245.4M
- Total assets
- 16,365
- Members
- 9.5%
- Net-worth ratio
Jersey Shore scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $245.4M; members 16,365; net-worth ratio 9.48%; health rank #1,329 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,329 of 4,374 health · 2025Q4Jersey Shore · health 89/100 · $245.4M · 2025Q4
Call Report peers
Jersey Shore in the assets neighbourhood
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Jersey Shore vs every NCUA-scored credit union
Jersey Shore sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Jersey Shore
- Largest favorable gap: Delinquency Rate at 0.59% vs peer 0.89% (-0.30 pp).
- Largest lag: Loan-to-Share Ratio at 56.58% vs peer 72.20% (-15.62 pp).
Jersey Shore in New Jersey
- New Jersey health ordinal: #10 of 127.
- Assets rank #14 of 127 inside New Jersey ($245.4M reported).
- Membership ranks #16 of 127 among New Jersey CUs with a reported count (16,365 members).
- One place up in New Jersey, Credit Union of New Jersey, a (#9) scores 90/100, 1 point higher; one place down, PRINCETON (#11) scores 88/100, 1 point lower.
How Jersey Shore's 5300 filing moved
Jersey Shore: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $245.4M (2025Q4) to $247.1M (2026Q1).
- Net-worth ratio shifted +0.16 pp (9.32% → 9.48%).
At 9.48%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Jersey Shore gives up 11 points in total. Member Growth costs the most, 5.4 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 28.7 pts
- Delinquency Rate 24.1 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 11.6 pts
Call Report ratios for Jersey Shore
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.48% | -2.63 pp |
| Delinquency Rate | 0.59% | -0.30 pp |
| Return on Assets | 0.67% | +0.04 pp |
| Member Growth | 0.53% | - |
| Loan-to-Share Ratio | 56.58% | -15.62 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Jersey Shore
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $247.1M | - |
| 2025Q4 | $245.4M | 16,365 |
| 2024Q4 | $234.1M | 16,278 |
| 2023Q4 | $234.4M | 15,865 |
Credit Union Details
- Charter Number
- 15483
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- Northfield
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Jersey Shore, spread across 5 cities.
| Office | City |
|---|---|
| Northfield Office (Main Office) | Northfield, NJ |
| FAA Tech Center Office | Atlantic City, NJ |
| Galloway | Galloway, NJ |
| Hammonton | Hammonton, NJ |
| Rio Office | Rio Grande, 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.
Jersey Shore nationwide neighbourhoods
Using this data
- Jersey Shore ranks #1,329 of 4,374 nationally on financial health and #10 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Atlantic is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Atlantic
Frequently Asked Questions
Is Jersey Shore financially healthy?
Jersey Shore has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,329 of 4,374 nationally on health and #10 of 127 in New Jersey. Its net worth ratio is 9.48% and its delinquency rate 0.59%.
How does Jersey Shore compare to other credit unions?
Jersey Shore scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.59% vs 0.89%). Its widest shortfall is loan-to-share ratio (56.58% vs 72.20%).
How can I join Jersey Shore?
Jersey Shore 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 Shore directly for the exact boundaries and application steps.
Is my money safe at Jersey Shore?
Jersey Shore 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 Shore's net worth ratio of 9.48% 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.