Federal credit union · kearny, New Jersey · NCUA charter #10614
Kearny Municipal Employees
Health score 41/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 41
- Health / 100
- $5.5M
- Total assets
- 698
- Members
- 26.5%
- Net-worth ratio
Kearny Municipal Employees scores 41/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.5M; members 698; net-worth ratio 26.47%; health rank #4,329 of 4,374; healthier than 1st of scored peers.
NCUA 5300 Call Report masthead
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Kearny Municipal Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Kearny Municipal Employees sits in 40-44 with 25 others.
41 1st percentile higher than 1% 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 Kearny Municipal Employees
- Net Worth Ratio leads the peer set - 26.47% here, 19.06% peer average (+7.41 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -44.41 pp (19.19% vs 63.60%).
Where Kearny Municipal Employees sits in New Jersey
- New Jersey health ordinal: #126 of 127.
- Assets rank #104 of 127 inside New Jersey ($5.5M reported).
- New Jersey membership ordinal: #104 of 127.
- One place up in New Jersey, First Point (#125) scores 46/100, 5 points higher; one place down, Plainfield Police & Firemen's (#127) ties at 41/100.
Kearny Municipal Employees Call Report trajectory
Kearny Municipal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $5.5M (2025Q4) to $5.5M (2026Q1).
- Net-worth ratio shifted +0.16 pp (26.31% → 26.47%).
26.47% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 41/100 score is built
Kearny Municipal Employees gives up 59 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 2.8 pts
- Loan-to-Share Ratio 8.2 pts
Call Report ratios for Kearny Municipal Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.47% | +7.41 pp |
| Delinquency Rate | 7.20% | +5.39 pp |
| Return on Assets | -1.82% | -2.27 pp |
| Member Growth | -3.46% | - |
| Loan-to-Share Ratio | 19.19% | -44.41 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Kearny Municipal Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.5M | - |
| 2025Q4 | $5.5M | 698 |
| 2024Q4 | $7.4M | 723 |
| 2023Q4 | $9.4M | 745 |
Credit Union Details
- Charter Number
- 10614
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- kearny
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Kearny Municipal Employees.
| Office | City |
|---|---|
| kearny municipal efcu (Main Office) | kearny, 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.
Kearny Municipal Employees nationwide neighbourhoods
Similar health score
Using this data
- Kearny Municipal Employees ranks #4,329 of 4,374 nationally on financial health and #126 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- West Hudson Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with West Hudson Teachers
Frequently Asked Questions
Is Kearny Municipal Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Kearny Municipal Employees scores 41/100 (Below Average), with a 26.47% net worth ratio and 7.20% of loans delinquent. It ranks #4,329 of 4,374 nationally on health and #126 of 127 in New Jersey.
How does Kearny Municipal Employees compare to other credit unions?
Kearny Municipal Employees scores 41/100, higher than 1% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (26.47% vs 19.06%). Its widest shortfall is loan-to-share ratio (19.19% vs 63.60%).
How can I join Kearny Municipal Employees?
Kearny Municipal Employees 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 Kearny Municipal Employees directly to confirm current membership steps.
Is my money safe at Kearny Municipal Employees?
Kearny Municipal Employees 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. Kearny Municipal Employees's net worth ratio of 26.47% 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.