Federal credit union · East Orange, New Jersey · NCUA charter #21440
Messiah Baptist Church
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $890K
- Total assets
- 182
- Members
- 8.1%
- Net-worth ratio
Messiah Baptist Church scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $890K; members 182; net-worth ratio 8.07%; health rank #3,430 of 4,374; healthier than 21st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,430 of 4,374 health · 2025Q4Messiah Baptist Church · health 73/100 · $890K · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Messiah Baptist Church vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Messiah Baptist Church sits in 70-74 with 317 others.
73 21st percentile higher than 21% 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 Messiah Baptist Church
- Delinquency Rate leads the peer set - 2.95% here, 4.48% peer average (-1.53 pp).
- Largest lag: Net Worth Ratio at 8.07% vs peer 22.93% (-14.86 pp).
Messiah Baptist Church: in-state Call Report ranks
- In New Jersey, health place is #67 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, Messiah Baptist Church is #124 of 127 in New Jersey.
- Member book place in New Jersey: #122 of 127.
- One place up in New Jersey, Bayonne School Employees (#66) ties at 73/100; one place down, Merck Employees (#68) scores 72/100, 1 point lower.
Messiah Baptist Church: 2025Q4 → 2026Q1
Messiah Baptist Church: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $890K (2025Q4) to $908K (2026Q1).
- Net-worth ratio shifted +0.21 pp (7.86% → 8.07%).
8.07% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
Messiah Baptist Church gives up 27 points in total. Delinquency Rate costs the most, 18.4 of its 25; Return on Assets and Member Growth score full marks.
- Net Worth Ratio 25.2 pts
- Delinquency Rate 6.6 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.2 pts
Messiah Baptist Church health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.07% | -14.86 pp |
| Delinquency Rate | 2.95% | -1.53 pp |
| Return on Assets | 1.12% | +0.89 pp |
| Member Growth | 8.98% | - |
| Loan-to-Share Ratio | 52.40% | -0.30 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Call Report history - Messiah Baptist Church
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $908K | - |
| 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
Branch Location
Messiah Baptist Church operates a single office in East Orange, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Messiah Baptist Church (Main Office) | East Orange, 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.
Messiah Baptist Church nationwide neighbourhoods
Similar health score
Using this data
- Messiah Baptist Church ranks #3,430 of 4,374 nationally on financial health and #67 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TERMINALS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TERMINALS
Frequently Asked Questions
Is Messiah Baptist Church financially healthy?
On its 2025Q4 NCUA 5300 filing, Messiah Baptist Church scores 73/100 (Very Good), with a 8.07% net worth ratio and 2.95% of loans delinquent. It ranks #3,430 of 4,374 nationally on health and #67 of 127 in New Jersey.
How does Messiah Baptist Church compare to other credit unions?
Messiah Baptist Church scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is delinquency rate (2.95% vs 4.48%). Its widest shortfall is net worth ratio (8.07% vs 22.93%).
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?
Messiah Baptist Church 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. Messiah Baptist Church's net worth ratio of 8.07% 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.