Federal credit union · Mountainside, New Jersey · NCUA charter #21109
L'oreal USA
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $20.8M
- Total assets
- 1,705
- Members
- 25.4%
- Net-worth ratio
L'oreal USA scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.8M; members 1,705; net-worth ratio 25.38%; health rank #3,746 of 4,374; healthier than 13th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,746 of 4,374 health · 2025Q4L'oreal USA · health 67/100 · $20.8M · 2025Q4
- RANK 67/100
- PHOTO 25.4%
- BOOK 0.48%
- CHARTER -0.28%
- NCUSIF $20.8M
- CAMELS 1,705
- HEALTH #3,746/4,374
- NW ALBA-GOLDEN
- DELQ 21109
Call Report peers
L'oreal USA in the assets neighbourhood
L'oreal USA's $20.8M assets sit next to ALBA-GOLDEN ($20.7M) 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.
L'oreal USA 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
67 13th percentile higher than 13% 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
L'oreal USA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #21109, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where L'oreal USA diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +10.52 pp (25.38% vs 14.86%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.84 pp (46.96% 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 L'oreal USA sits in New Jersey
- Health composite ranks #89 of 127 among scored New Jersey credit unions.
- Assets rank #65 of 127 inside New Jersey ($20.8M reported).
- Member book place in New Jersey: #65 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 L'oreal USA
L'oreal USA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $20.8M (2025Q4) to $21.1M (2026Q1).
- Net-worth ratio shifted -0.49 pp (25.87% → 25.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 25.38%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 67/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 2.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
Call Report ratios for L'oreal USA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.38% | +10.52 pp |
| Delinquency Rate | 0.48% | -0.67 pp |
| Return on Assets | -0.28% | -0.98 pp |
| Member Growth | -9.45% | - |
| Loan-to-Share Ratio | 46.96% | -12.84 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 - L'oreal USA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.1M | - |
| 2025Q4 | $20.8M | 1,705 |
| 2024Q4 | $21.2M | 1,883 |
| 2023Q4 | $23.1M | 1,946 |
Credit Union Details
- Charter Number
- 21109
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Mountainside
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for L'oreal USA.
| Office | City |
|---|---|
| Main Office (Main Office) | Clark, NJ |
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.
L'oreal USA nationwide neighbourhoods
Two NCUA Call Report peer sets for L'oreal USA, 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 ($20.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
Using this data
- L'oreal USA ranks #3,746 of 4,374 nationally on financial health and #89 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Essex County Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Essex County Teachers
- 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 L'oreal USA financially healthy?
L'oreal USA scores 67/100 (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 #3,746 of 4,374; by total assets it ranks #3,125 of 4,374 nationally (same basis as /rankings/largest); and #65 of 127 within New Jersey. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 25.38% net worth ratio and a 0.48% delinquency rate.
How does L'oreal USA compare to other credit unions?
L'oreal USA scores 67/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 L'oreal USA?
L'oreal USA operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact L'oreal USA directly for the exact boundaries and application steps.
Is my money safe at L'oreal USA?
Federal credit unions like L'oreal USA 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. L'oreal USA's net worth ratio of 25.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does L'oreal USA offer compared to banks?
Credit unions like L'oreal USA 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 L'oreal USA 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.