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
- ROA 79/100
- ASSETS 14.5%
- MEM 2.03%
- RANK 2.22%
- PHOTO $49.2M
- BOOK 3,717
- CHARTER #2,843/4,374
- NCUSIF HEALTHSHARE
- CAMELS 1351
Call Report peers
Mercer County Nj Teachers in the assets neighbourhood
Mercer County Nj Teachers's $49.2M assets sit next to HEALTHSHARE ($49.2M) 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.
Mercer County Nj Teachers 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
79 33rd percentile higher than 33% 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
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.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Mercer County Nj Teachers's 5300 filing moved
Mercer County Nj Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $49.2M (2025Q4) to $50.7M (2026Q1).
- Net-worth ratio shifted +0.26 pp (14.29% → 14.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 |
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).
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
Mercer County Nj Teachers'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 ($49.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
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
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,843 of 4,374; by total assets it ranks #2,410 of 4,374 nationally (same basis as /rankings/largest); and #44 of 127 within New Jersey. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.55% 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 14.55% 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.
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.