Federal credit union · Linden, New Jersey · NCUA charter #53
Motion
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $61.0M
- Total assets
- 5,050
- Members
- 10.0%
- Net-worth ratio
Motion - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #53, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Motion - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)79
- Earnings (ROA)100
- Member growth26
- Liquidity (loan-to-share)100
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.95% 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 | 9.95% | 30% |
| Delinquency Rate | 1.05% | 25% |
| Return on Assets | 0.76% | 15% |
| Member Growth | -2.87% | 15% |
| Loan-to-Share Ratio | 72.82% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $61.0M | 5,050 |
| 2024Q4 | $62.1M | 5,199 |
| 2023Q4 | $65.7M | 5,337 |
Credit Union Details
- Charter Number
- 53
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New Jersey
- City
- Linden
- Data Quarter
- 2025Q4
What This Data Says About Motion
Motion is a federal credit union headquartered in Linden, New Jersey, serving 5,050 members with $61.0M in total assets and $39.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 83/100 (Excellent), anchored by a net worth ratio of 9.95% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #53 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Deposits deployed into lending sit at a 72.82% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 1.05% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Return on assets stands at 0.76% on net income of $464K 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 -2.87%. 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.
- ATLANTIC CITY ELECTRIC CO EMPMAYS LANDING, NJ · $50M–$100M71Health
- FORT BILLINGSPAULSBORO, NJ · $50M–$100M59Health
- NEW JERSEY LAW AND PUBLIC SAFETYTrenton, NJ · $50M–$100M91Health
- UNITED POLESPERTH AMBOY, NJ · $50M–$100M65Health
- HOBOKEN SCHOOL EMPLOYEESHOBOKEN, NJ · $50M–$100M70Health
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 Motion financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - Motion's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.95% net worth ratio and 1.05% delinquency rate are the key drivers.
How does Motion compare to other credit unions?
Motion scores 83/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Motion?
Motion 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 Motion directly for the exact boundaries and application steps.
Is my money safe at Motion?
Federal credit unions like Motion 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. Motion's net worth ratio of 9.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Motion offer compared to banks?
Credit unions like Motion 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 Motion 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.