Federal credit union · Newark, New Jersey · NCUA charter #24167
New Community
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $3.1M
- Total assets
- 3,527
- Members
- 12.3%
- Net-worth ratio
New Community scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.1M; members 3,527; net-worth ratio 12.33%; health rank #2,859 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,859 of 4,374 health · 2025Q4New Community · health 79/100 · $3.1M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
New Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); New Community sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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 Community: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 1.81% (-1.81 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -23.54 pp (40.06% vs 63.60%).
New Jersey standing for New Community
- In New Jersey, health place is #45 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #112 of 127 inside New Jersey ($3.1M reported).
- Member book place in New Jersey: #46 of 127.
- One place up in New Jersey, Mercer County Nj Teachers (#44) ties at 79/100; one place down, XCEL (#46) ties at 79/100.
New Community: 2025Q4 → 2026Q1
New Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +8.8% from $3.1M (2025Q4) to $3.4M (2026Q1).
- Net-worth ratio shifted -1.04 pp (13.37% → 12.33%).
This credit union's 12.33% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
New Community gives up 21 points in total. Return on Assets costs the most, 8.4 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 6.6 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 9.8 pts
Call Report ratios for New Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.33% | -6.73 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.05% | -0.40 pp |
| Member Growth | -0.76% | - |
| Loan-to-Share Ratio | 40.06% | -23.54 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.4M | - |
| 2025Q4 | $3.1M | 3,527 |
| 2024Q4 | $3.2M | 3,554 |
| 2023Q4 | $3.3M | 3,641 |
Credit Union Details
- Charter Number
- 24167
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- Newark
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, New Community runs one office.
| Office | City |
|---|---|
| New community FCU (Main Office) | Newark, 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.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- New Community ranks #2,859 of 4,374 nationally on financial health and #45 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Public Service E.D. Trenton is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Public Service E.D. Trenton
Frequently Asked Questions
Is New Community financially healthy?
On its 2025Q4 NCUA 5300 filing, New Community scores 79/100 (Very Good), with a 12.33% net worth ratio and 0.00% of loans delinquent. It ranks #2,859 of 4,374 nationally on health and #45 of 127 in New Jersey.
How does New Community compare to other credit unions?
New Community scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.00% vs 1.81%). Its widest shortfall is loan-to-share ratio (40.06% vs 63.60%).
How can I join New Community?
New Community 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 New Community directly for the exact boundaries and application steps.
Is my money safe at New Community?
New Community 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. New Community's net worth ratio of 12.33% 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.