Federal credit union · LINDEN, New Jersey · NCUA charter #2617
Linden Nj Police & Firemen
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $7.1M
- Total assets
- 939
- Members
- 31.4%
- Net-worth ratio
Linden Nj Police & Firemen scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.1M; members 939; net-worth ratio 31.39%; health rank #3,685 of 4,374; healthier than 15th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,685 of 4,374 health · 2025Q4Linden Nj Police & Firemen · health 68/100 · $7.1M · 2025Q4
- PHOTO 68/100
- BOOK 31.4%
- CHARTER 1.64%
- NCUSIF 1.13%
- CAMELS $7.1M
- HEALTH 939
- NW #3,685/4,374
- DELQ n/a
- ROA 2617
Linden Nj Police & Firemen carries $7.1M 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.
Linden Nj Police & Firemen 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
68 15th percentile higher than 15% 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
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: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 31.39% vs peer 19.06% (+12.33 pp).
- Loan-to-Share Ratio trails the peer set - 16.76% here, 63.60% peer average (-46.84 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New Jersey standing for Linden Nj Police & Firemen
- In New Jersey, health place is #85 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #96 of 127 inside New Jersey ($7.1M reported).
- Member book place in New Jersey: #93 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.
Quarter path for Linden Nj Police & Firemen
Linden Nj Police & Firemen: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.6% from $7.1M (2025Q4) to $7.0M (2026Q1).
- Net-worth ratio shifted +0.40 pp (30.99% → 31.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 31.39%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 68/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.2 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 31.39% | +12.33 pp |
| Delinquency Rate | 1.64% | -0.17 pp |
| Return on Assets | 1.13% | +0.68 pp |
| Member Growth | -6.75% | - |
| Loan-to-Share Ratio | 16.76% | -46.84 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.0M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Linden Nj Police & Firemen runs one office.
| Office | City |
|---|---|
| MAIN OFFICE - FIREHOUSE (Main Office) | LINDEN, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Other-state peers near Linden Nj Police & Firemen
Linden Nj Police & Firemen's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
Using this data
- Linden Nj Police & Firemen ranks #3,685 of 4,374 nationally on financial health and #85 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ocnac #1 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ocnac #1
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,685 of 4,374; by total assets it ranks #3,726 of 4,374 nationally (same basis as /rankings/largest); and #96 of 127 within New Jersey. Above 80 reads excellent, below 50 warrants closer monitoring; a 31.39% 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 31.39% 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.
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.