Federal credit union · East Orange, New Jersey · NCUA charter #21440
Messiah Baptist Church
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $890K
- Total assets
- 182
- Members
- 6.7%
- Net-worth ratio
Messiah Baptist Church - Share Insurance Coverage
Charter #21440's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Messiah Baptist Church - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)68
- Asset quality (delinquency)26
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)74
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.74% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.74% | 30% |
| Delinquency Rate | 2.95% | 25% |
| Return on Assets | 1.12% | 15% |
| Member Growth | 8.98% | 15% |
| Loan-to-Share Ratio | 52.40% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $890K | 182 |
| 2024Q4 | $478K | 167 |
| 2023Q4 | $365K | 185 |
Credit Union Details
- Charter Number
- 21440
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New Jersey
- City
- East Orange
- Data Quarter
- 2025Q4
What This Data Says About Messiah Baptist Church
The five-factor composite scores Messiah Baptist Church at 68/100 (Good), reflecting a net worth ratio of 6.74% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in East Orange, New Jersey, reports 182 members, $890K in total assets, and $424K in outstanding loans as of Q4 2025 under charter #21440 (peer group Under $2M, a cohort of 243 similarly-sized institutions).
2.95% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 52.40% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.12% on net income of $10K 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 8.98%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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 Messiah Baptist Church financially healthy?
Messiah Baptist Church scores 68/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 6.74% net worth ratio and a 2.95% delinquency rate.
How does Messiah Baptist Church compare to other credit unions?
On PlainCU's health composite, Messiah Baptist Church lands at 68/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Messiah Baptist Church?
Messiah Baptist Church 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 Messiah Baptist Church directly for the exact boundaries and application steps.
Is my money safe at Messiah Baptist Church?
Federal credit unions like Messiah Baptist Church 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. Messiah Baptist Church's net worth ratio of 6.74% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Messiah Baptist Church offer compared to banks?
Credit unions like Messiah Baptist Church 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 Messiah Baptist Church 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.