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
NCUA 5300 Call Report Masthead
#4,329 of 4,374 health · 2025Q4Kearny Municipal Employees · health 41/100 · $5.5M · 2025Q4
- RANK 41/100
- PHOTO 26.5%
- BOOK 7.20%
- CHARTER -1.82%
- NCUSIF $5.5M
- CAMELS 698
- HEALTH #4,329/4,374
- NW n/a
- DELQ 10614
Kearny Municipal Employees carries $5.5M 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.
Kearny Municipal Employees 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
41 1st percentile higher than 1% 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
Kearny Municipal Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #10614, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Kearny Municipal Employees Call Report trajectory
Kearny Municipal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $5.5M (2025Q4) to $5.5M (2026Q1).
- Net-worth ratio shifted +0.16 pp (26.31% → 26.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 41.
- 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 |
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).
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
Two NCUA Call Report peer sets for Kearny Municipal Employees, both outside New Jersey so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (41/100 here).
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
- 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 Kearny Municipal Employees financially healthy?
Yes/no aside, the number is 41/100 (Below Average) - Kearny Municipal Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,329 of 4,374; by total assets it ranks #3,842 of 4,374 nationally (same basis as /rankings/largest); and #104 of 127 within New Jersey. Above 80 reads excellent, below 50 warrants closer monitoring; a 26.47% net worth ratio and 7.20% delinquency rate are the key drivers.
How does Kearny Municipal Employees compare to other credit unions?
Kearny Municipal Employees scores 41/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like Kearny Municipal Employees 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. Kearny Municipal Employees's net worth ratio of 26.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kearny Municipal Employees offer compared to banks?
Credit unions like Kearny Municipal Employees 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 Kearny Municipal Employees 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.