Federal credit union · HAMILTON SQUARE, New Jersey · NCUA charter #1351
Mercer County Nj Teachers
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $49.2M
- Total assets
- 3,717
- Members
- 14.5%
- Net-worth ratio
Mercer County Nj Teachers scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $49.2M; members 3,717; net-worth ratio 14.55%; health rank #2,843 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,843 of 4,374 health · 2025Q4Mercer County Nj Teachers · health 79/100 · $49.2M · 2025Q4
Call Report peers
Mercer County Nj Teachers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mercer County Nj Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Mercer County Nj Teachers sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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 Mercer County Nj Teachers
- Largest favorable gap: Return on Assets at 2.22% vs peer 0.70% (+1.51 pp).
- Largest lag: Loan-to-Share Ratio at 54.91% vs peer 59.80% (-4.89 pp).
Mercer County Nj Teachers in New Jersey
- Health composite ranks #44 of 127 among scored New Jersey credit unions.
- Assets rank #44 of 127 inside New Jersey ($49.2M reported).
- New Jersey membership ordinal: #40 of 127.
- One place up in New Jersey, New Jersey State Pba (#43) ties at 79/100; one place down, New Community (#45) ties at 79/100.
How Mercer County Nj Teachers's 5300 filing moved
Mercer County Nj Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $49.2M (2025Q4) to $50.7M (2026Q1).
- Net-worth ratio shifted +0.26 pp (14.29% → 14.55%).
14.55% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
Mercer County Nj Teachers gives up 21 points in total. Delinquency Rate costs the most, 12.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.3 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 11.9 pts
Call Report ratios for Mercer County Nj Teachers
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.55% | -0.31 pp |
| Delinquency Rate | 2.03% | +0.88 pp |
| Return on Assets | 2.22% | +1.51 pp |
| Member Growth | 0.68% | - |
| Loan-to-Share Ratio | 54.91% | -4.89 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Mercer County Nj Teachers filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $50.7M | - |
| 2025Q4 | $49.2M | 3,717 |
| 2024Q4 | $45.5M | 3,692 |
| 2023Q4 | $42.2M | 3,678 |
Credit Union Details
- Charter Number
- 1351
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- HAMILTON SQUARE
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Mercer County Nj Teachers.
| Office | City |
|---|---|
| Mercer County NJ Teachers' FCU (Main Office) | Hamilton Square, 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.
Cross-state Call Report peers for Mercer County Nj Teachers
Similar total assets
Using this data
- Mercer County Nj Teachers ranks #2,843 of 4,374 nationally on financial health and #44 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bridgeton Onized is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bridgeton Onized
Frequently Asked Questions
Is Mercer County Nj Teachers financially healthy?
On its 2025Q4 NCUA 5300 filing, Mercer County Nj Teachers scores 79/100 (Very Good), with a 14.55% net worth ratio and 2.03% of loans delinquent. It ranks #2,843 of 4,374 nationally on health and #44 of 127 in New Jersey.
How does Mercer County Nj Teachers compare to other credit unions?
Mercer County Nj Teachers scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (2.22% vs 0.70%). Its widest shortfall is loan-to-share ratio (54.91% vs 59.80%).
How can I join Mercer County Nj Teachers?
Mercer County Nj Teachers 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 Mercer County Nj Teachers directly for the exact boundaries and application steps.
Is my money safe at Mercer County Nj Teachers?
Mercer County Nj Teachers 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. Mercer County Nj Teachers's net worth ratio of 14.55% 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.