Federal credit union · Newark, New Jersey · NCUA charter #20773
Local 1233
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $13.4M
- Total assets
- 904
- Members
- 17.9%
- Net-worth ratio
Local 1233 scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.4M; members 904; net-worth ratio 17.89%; health rank #1,044 of 4,374; healthier than 73rd of scored peers.
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NCUA 5300 Call Report Masthead
#1,044 of 4,374 health · 2025Q4Local 1233 · health 90/100 · $13.4M · 2025Q4
Call Report peers
Local 1233 in the assets neighbourhood
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Local 1233 vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Local 1233 sits in 90-94 with 747 others.
90 Top 27% higher than 73% 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 Local 1233
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +3.03 pp (17.89% vs 14.86%).
- Largest lag: Loan-to-Share Ratio at 53.57% vs peer 59.80% (-6.23 pp).
Local 1233: in-state Call Report ranks
- Health composite ranks #8 of 127 among scored New Jersey credit unions.
- By total assets, Local 1233 is #74 of 127 in New Jersey.
- Membership ranks #95 of 127 among New Jersey CUs with a reported count (904 members).
- One place up in New Jersey, MID-STATE (#7) scores 91/100, 1 point higher; one place down, Credit Union of New Jersey, a (#9) ties at 90/100.
Quarter path for Local 1233
Local 1233: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $13.4M (2025Q4) to $13.9M (2026Q1).
- Net-worth ratio shifted -0.49 pp (18.38% → 17.89%).
At 17.89%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Local 1233 gives up 10 points in total. Member Growth costs the most, 5.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 10.9 pts
Local 1233 health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.89% | +3.03 pp |
| Delinquency Rate | 0.18% | -0.96 pp |
| Return on Assets | 1.52% | +0.82 pp |
| Member Growth | 0.11% | - |
| Loan-to-Share Ratio | 53.57% | -6.23 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Local 1233 filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.9M | - |
| 2025Q4 | $13.4M | 904 |
| 2024Q4 | $13.2M | 903 |
| 2023Q4 | $12.8M | 884 |
Credit Union Details
- Charter Number
- 20773
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Newark
- Data Quarter
- 2025Q4
Branch Location
Local 1233 operates a single office in Newark, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 19 Fenwick St. (Main Office) | Newark, 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 Local 1233
Similar total assets
Similar health score
Using this data
- Local 1233 ranks #1,044 of 4,374 nationally on financial health and #8 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PATH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PATH
Frequently Asked Questions
Is Local 1233 financially healthy?
On its 2025Q4 NCUA 5300 filing, Local 1233 scores 90/100 (Excellent), with a 17.89% net worth ratio and 0.18% of loans delinquent. It ranks #1,044 of 4,374 nationally on health and #8 of 127 in New Jersey.
How does Local 1233 compare to other credit unions?
Local 1233 scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (17.89% vs 14.86%). Its widest shortfall is loan-to-share ratio (53.57% vs 59.80%).
How can I join Local 1233?
Local 1233 serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Local 1233 directly for the current list of qualifying groups.
Is my money safe at Local 1233?
Local 1233 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. Local 1233's net worth ratio of 17.89% 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.