Federal credit union · LINDEN, New Jersey · NCUA charter #2617
Linden Nj Police & Firemen
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $7.1M
- Total assets
- 939
- Members
- 28.3%
- Net-worth ratio
Linden Nj Police & Firemen - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #2617: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Linden Nj Police & Firemen - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)61
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)50
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 28.30%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 28.30% | 30% |
| Delinquency Rate | 1.64% | 25% |
| Return on Assets | 1.13% | 15% |
| Member Growth | -6.75% | 15% |
| Loan-to-Share Ratio | 16.76% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $7.1M | 939 |
| 2024Q4 | $7.5M | 1,007 |
| 2023Q4 | $8.2M | 1,121 |
Credit Union Details
- Charter Number
- 2617
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- LINDEN
- Data Quarter
- 2025Q4
What This Data Says About Linden Nj Police & Firemen
The five-factor composite scores Linden Nj Police & Firemen at 68/100 (Good), reflecting a net worth ratio of 28.30% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in LINDEN, New Jersey, reports 939 members, $7.1M in total assets, and $813K in outstanding loans as of Q4 2025 under charter #2617 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Deposits deployed into lending sit at a 16.76% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.64% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 1.13% on net income of $80K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -6.75%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Low Income); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Linden Nj Police & Firemen financially healthy?
Yes/no aside, the number is 68/100 (Good) - Linden Nj Police & Firemen's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 28.30% net worth ratio and 1.64% delinquency rate are the key drivers.
How does Linden Nj Police & Firemen compare to other credit unions?
Linden Nj Police & Firemen scores 68/100 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 Linden Nj Police & Firemen?
Linden Nj Police & Firemen 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 Linden Nj Police & Firemen directly to confirm current membership steps.
Is my money safe at Linden Nj Police & Firemen?
Federal credit unions like Linden Nj Police & Firemen 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. Linden Nj Police & Firemen's net worth ratio of 28.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Linden Nj Police & Firemen offer compared to banks?
Credit unions like Linden Nj Police & Firemen 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 Linden Nj Police & Firemen directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.