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
- BOOK 73/100
- CHARTER 8.1%
- NCUSIF 2.95%
- CAMELS 1.12%
- HEALTH $890K
- NW 182
- DELQ #3,430/4,374
- ROA n/a
- ASSETS 21440
Call Report peers
Messiah Baptist Church carries $890K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
73 21st percentile higher than 21% 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
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.
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).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Messiah Baptist Church: 2025Q4 → 2026Q1
Messiah Baptist Church: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $890K (2025Q4) to $908K (2026Q1).
- Net-worth ratio shifted +0.21 pp (7.86% → 8.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
Cross-state asset and health neighbours for Messiah Baptist Church - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
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
- 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 Messiah Baptist Church financially healthy?
Messiah Baptist Church scores 73/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,430 of 4,374; by total assets it ranks #4,257 of 4,374 nationally (same basis as /rankings/largest); and #124 of 127 within New Jersey. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.07% 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 73/100, 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 8.07% exceeds 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.
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.