Federal credit union · Linden, New Jersey · NCUA charter #53
MOTION
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $61.0M
- Total assets
- 5,050
- Members
- 9.8%
- Net-worth ratio
MOTION scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $61.0M; members 5,050; net-worth ratio 9.79%; health rank #2,322 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,322 of 4,374 health · 2025Q4MOTION · health 83/100 · $61.0M · 2025Q4
Call Report peers
MOTION in the assets neighbourhood
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MOTION vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MOTION sits in 80-84 with 767 others.
83 46th percentile higher than 46% 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
Where MOTION diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 72.82% here, 62.60% peer average (+10.22 pp).
- Largest lag: Net Worth Ratio at 9.79% vs peer 13.62% (-3.83 pp).
Where MOTION sits in New Jersey
- New Jersey health ordinal: #32 of 127.
- New Jersey assets place: #41 of 127.
- Membership ranks #37 of 127 among New Jersey CUs with a reported count (5,050 members).
- One place up in New Jersey, RUTGERS (#31) ties at 83/100; one place down, Camden Firemen's (#33) scores 82/100, 1 point lower.
MOTION Call Report trajectory
MOTION: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $61.0M (2025Q4) to $62.7M (2026Q1).
- Net-worth ratio shifted -0.16 pp (9.95% → 9.79%).
9.79% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
MOTION gives up 17 points in total. Member Growth costs the most, 11.2 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 29.5 pts
- Delinquency Rate 19.6 pts
- Return on Assets 15.0 pts
- Member Growth 3.8 pts
- Loan-to-Share Ratio 15.1 pts
MOTION health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.79% | -3.83 pp |
| Delinquency Rate | 1.05% | +0.09 pp |
| Return on Assets | 0.76% | +0.10 pp |
| Member Growth | -2.87% | - |
| Loan-to-Share Ratio | 72.82% | +10.22 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $62.7M | - |
| 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
Branch Locations (5)
MOTION operates 5 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Wood Av (Main Office) | Linden, NJ |
| CAB | Linden, NJ |
| BOB | Linden, NJ |
| LTC | Linden, NJ |
| Jersey Ave | North Brunswick, 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.
- ATLANTIC CITY ELECTRIC CO EMPMAYS LANDING, NJ · $50M–$100M71Health
- FORT BILLINGSPAULSBORO, NJ · $50M–$100M64Health
- NEW JERSEY LAW AND PUBLIC SAFETYTrenton, NJ · $50M–$100M91Health
- UNITED POLESPERTH AMBOY, NJ · $50M–$100M69Health
- HOBOKEN SCHOOL EMPLOYEESHOBOKEN, NJ · $50M–$100M70Health
Nationwide credit unions with similar profiles
Using this data
- MOTION ranks #2,322 of 4,374 nationally on financial health and #32 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Atlantic City Electric Co Emp is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Atlantic City Electric Co Emp
Frequently Asked Questions
Is MOTION financially healthy?
On its 2025Q4 NCUA 5300 filing, MOTION scores 83/100 (Excellent), with a 9.79% net worth ratio and 1.05% of loans delinquent. It ranks #2,322 of 4,374 nationally on health and #32 of 127 in New Jersey.
How does MOTION compare to other credit unions?
MOTION scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (72.82% vs 62.60%). Its widest shortfall is net worth ratio (9.79% vs 13.62%).
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?
MOTION 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. MOTION's net worth ratio of 9.79% 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.