Federal credit union · New Brunswick, New Jersey · NCUA charter #2394
New Brunswick Postal
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $24.6M
- Total assets
- 3,165
- Members
- 9.1%
- Net-worth ratio
New Brunswick Postal scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.6M; members 3,165; net-worth ratio 9.10%; health rank #1,719 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,719 of 4,374 health · 2025Q4New Brunswick Postal · health 87/100 · $24.6M · 2025Q4
- CHARTER 87/100
- NCUSIF 9.1%
- CAMELS 1.25%
- HEALTH 0.44%
- NW $24.6M
- DELQ 3,165
- ROA #1,719/4,374
- ASSETS Healthcare Services
- MEM 2394
Call Report peers
New Brunswick Postal in the assets neighbourhood
New Brunswick Postal's $24.6M assets sit next to Healthcare Services ($24.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
New Brunswick Postal 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
87 Top 40% higher than 60% 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
New Brunswick Postal - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #2394 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for New Brunswick Postal
- Largest lag: Net Worth Ratio at 9.10% vs peer 14.86% (-5.76 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New Brunswick Postal in New Jersey
- New Jersey health ordinal: #13 of 127.
- By total assets, New Brunswick Postal is #60 of 127 in New Jersey.
- Member book place in New Jersey: #49 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.
Quarter path for New Brunswick Postal
New Brunswick Postal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.5% from $24.6M (2025Q4) to $24.5M (2026Q1).
- Net-worth ratio shifted -0.08 pp (9.18% → 9.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.10% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 27.8 pts
- Delinquency Rate 18.1 pts
- Return on Assets 14.2 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.9 pts
Call Report ratios for New Brunswick Postal
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.10% | -5.76 pp |
| Delinquency Rate | 1.25% | +0.11 pp |
| Return on Assets | 0.44% | -0.26 pp |
| Member Growth | 43.86% | - |
| Loan-to-Share Ratio | 58.11% | -1.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
New Brunswick Postal filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.5M | - |
| 2025Q4 | $24.6M | 3,165 |
| 2024Q4 | $18.2M | 2,200 |
| 2023Q4 | $18.1M | 2,270 |
Credit Union Details
- Charter Number
- 2394
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- New Brunswick
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for New Brunswick Postal, spread across 2 cities.
| Office | City |
|---|---|
| New Brunswick Postal FCU (Main Office) | Edison, NJ |
| New Brunswick Postal FCU Jersey City Branch | Jersey City, 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.
New Brunswick Postal nationwide neighbourhoods
Two NCUA Call Report peer sets for New Brunswick Postal, both outside New Jersey so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($24.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- New Brunswick Postal ranks #1,719 of 4,374 nationally on financial health and #13 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jersey Central is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jersey Central
- 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 New Brunswick Postal financially healthy?
New Brunswick Postal scores 87/100 (Excellent) 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 #1,719 of 4,374; by total assets it ranks #3,006 of 4,374 nationally (same basis as /rankings/largest); and #60 of 127 within New Jersey. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.10% net worth ratio and a 1.25% delinquency rate.
How does New Brunswick Postal compare to other credit unions?
Five weighted metrics from NCUA filings produce New Brunswick Postal's 87/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 New Brunswick Postal?
New Brunswick Postal serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact New Brunswick Postal directly for the current list of qualifying groups.
Is my money safe at New Brunswick Postal?
Federal credit unions like New Brunswick Postal 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. New Brunswick Postal's net worth ratio of 9.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New Brunswick Postal offer compared to banks?
Credit unions like New Brunswick Postal 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 New Brunswick Postal 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.