Federal credit union · LAKEHURST NAEC, New Jersey · NCUA charter #7958
Lakehurst Naval
Health score 61/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $40.6M
- Total assets
- 1,830
- Members
- 12.5%
- Net-worth ratio
Lakehurst Naval scores 61/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $40.6M; members 1,830; net-worth ratio 12.49%; health rank #4,027 of 4,374; healthier than 8th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,027 of 4,374 health · 2025Q4Lakehurst Naval · health 61/100 · $40.6M · 2025Q4
- NCUSIF 61/100
- CAMELS 12.5%
- HEALTH 3.11%
- NW 0.74%
- DELQ $40.6M
- ROA 1,830
- ASSETS #4,027/4,374
- MEM Mead Coated Board
- RANK 7958
Call Report peers
Lakehurst Naval in the assets neighbourhood
Lakehurst Naval's $40.6M assets sit next to Mead Coated Board ($40.6M) 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.
Lakehurst Naval 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
61 8th percentile higher than 8% 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
Lakehurst Naval - Share Insurance Coverage
Charter #7958's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Lakehurst Naval vs $10M–$50M peers
- Return on Assets leads the peer set - 0.74% here, 0.70% peer average (+0.03 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -32.60 pp (27.20% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Lakehurst Naval sits in New Jersey
- In New Jersey, health place is #110 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #49 of 127 inside New Jersey ($40.6M reported).
- New Jersey membership ordinal: #63 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.
Lakehurst Naval: 2025Q4 → 2026Q1
Lakehurst Naval: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.5% from $40.6M (2025Q4) to $39.6M (2026Q1).
- Net-worth ratio shifted +1.27 pp (11.22% → 12.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.49% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 61/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 61.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 5.6 pts
- Return on Assets 15.0 pts
- Member Growth 2.5 pts
- Loan-to-Share Ratio 7.9 pts
Call Report ratios for Lakehurst Naval
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.49% | -2.37 pp |
| Delinquency Rate | 3.11% | +1.97 pp |
| Return on Assets | 0.74% | +0.03 pp |
| Member Growth | -3.63% | - |
| Loan-to-Share Ratio | 27.20% | -32.60 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 - Lakehurst Naval
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.6M | - |
| 2025Q4 | $40.6M | 1,830 |
| 2024Q4 | $38.0M | 1,899 |
| 2023Q4 | $35.9M | 1,946 |
Credit Union Details
- Charter Number
- 7958
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- LAKEHURST NAEC
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Lakehurst Naval runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Lakehurst Naval FCU (Main Office) | Joint Base MDL, NJ |
| VisiFi | Hoover, AL |
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.
Cross-state Call Report peers for Lakehurst Naval
Two NCUA Call Report peer sets for Lakehurst Naval, both outside New Jersey so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($40.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (61/100 here).
Using this data
- Lakehurst Naval ranks #4,027 of 4,374 nationally on financial health and #110 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Public Service is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Public Service
- 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 Lakehurst Naval financially healthy?
Lakehurst Naval scores 61/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,027 of 4,374; by total assets it ranks #2,590 of 4,374 nationally (same basis as /rankings/largest); and #49 of 127 within New Jersey. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.49% net worth ratio and a 3.11% delinquency rate.
How does Lakehurst Naval compare to other credit unions?
On PlainCU's health composite, Lakehurst Naval lands at 61/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Lakehurst Naval?
Membership eligibility for Lakehurst Naval depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Lakehurst Naval directly for current membership requirements and application steps.
Is my money safe at Lakehurst Naval?
Federal credit unions like Lakehurst Naval 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. Lakehurst Naval's net worth ratio of 12.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lakehurst Naval offer compared to banks?
Credit unions like Lakehurst Naval 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 Lakehurst Naval 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.