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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,044 of 4,374 health · 2025Q4Local 1233 · health 90/100 · $13.4M · 2025Q4
- NCUSIF 90/100
- CAMELS 17.9%
- HEALTH 0.18%
- NW 1.52%
- DELQ $13.4M
- ROA 904
- ASSETS #1,044/4,374
- MEM Hialeah Municipal Employees
- RANK 20773
Call Report peers
Local 1233 in the assets neighbourhood
Local 1233's $13.4M assets sit next to Hialeah Municipal Employees ($13.4M) 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.
Local 1233 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
90 Top 27% higher than 73% 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
Local 1233 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #20773. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 Local 1233
Local 1233: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $13.4M (2025Q4) to $13.9M (2026Q1).
- Net-worth ratio shifted -0.49 pp (18.38% → 17.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
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).
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
Local 1233's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($13.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- 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 Local 1233 financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Local 1233 carries a financial health score of 90/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,044 of 4,374; by total assets it ranks #3,391 of 4,374 nationally (same basis as /rankings/largest); and #74 of 127 within New Jersey. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 17.89% net worth ratio and a 0.18% delinquency rate.
How does Local 1233 compare to other credit unions?
PlainCU's health composite puts Local 1233 at 90/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Local 1233 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. Local 1233's net worth ratio of 17.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Local 1233 offer compared to banks?
Credit unions like Local 1233 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 Local 1233 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.