Federal credit union · HAMILTON SQUARE, New Jersey · NCUA charter #1351
Mercer County Nj Teachers
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $49.2M
- Total assets
- 3,717
- Members
- 13.9%
- Net-worth ratio
Mercer County Nj Teachers - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1351 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Mercer County Nj Teachers - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)49
- Earnings (ROA)100
- Member growth65
- Liquidity (loan-to-share)77
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.93% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.93% | 30% |
| Delinquency Rate | 2.03% | 25% |
| Return on Assets | 2.22% | 15% |
| Member Growth | 0.68% | 15% |
| Loan-to-Share Ratio | 54.91% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Mercer County Nj Teachers
Mercer County Nj Teachers is a federal credit union headquartered in HAMILTON SQUARE, New Jersey, serving 3,717 members with $49.2M in total assets and $23.2M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 79/100 (Very Good), anchored by a net worth ratio of 13.93% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #1351 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 2.03% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Meanwhile a 54.91% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 2.22% on net income of $1.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.68%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Mercer County Nj Teachers financially healthy?
Yes/no aside, the number is 79/100 (Very Good) - Mercer County Nj Teachers's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.93% net worth ratio and 2.03% delinquency rate are the key drivers.
How does Mercer County Nj Teachers compare to other credit unions?
79/100 is Mercer County Nj Teachers's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Mercer County Nj Teachers 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. Mercer County Nj Teachers's net worth ratio of 13.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mercer County Nj Teachers offer compared to banks?
Credit unions like Mercer County Nj Teachers 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 Mercer County Nj Teachers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.