State credit union · Trenton, New Jersey · NCUA charter #66130
New Jersey Law and Public Safety
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $64.9M
- Total assets
- 7,437
- Members
- 19.1%
- Net-worth ratio
New Jersey Law and Public Safety scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $64.9M; members 7,437; net-worth ratio 19.14%; health rank #885 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#885 of 4,374 health · 2025Q4New Jersey Law · health 91/100 · $64.9M · 2025Q4
- RANK 91/100
- PHOTO 19.1%
- BOOK 0.12%
- CHARTER 1.20%
- NCUSIF $64.9M
- CAMELS 7,437
- HEALTH #885/4,374
- NW AVESTAR
- DELQ 66130
Call Report peers
New Jersey Law and Public Safety in the assets neighbourhood
New Jersey Law and Public Safety's $64.9M assets sit next to AVESTAR ($65.0M) 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 Jersey Law and Public Safety 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
91 Top 23% higher than 77% 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 Jersey Law and Public Safety - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66130, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where New Jersey Law and Public Safety diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 75.85% vs peer 62.60% (+13.25 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where New Jersey Law and Public Safety sits in New Jersey
- New Jersey health ordinal: #6 of 127.
- New Jersey assets place: #39 of 127.
- Membership ranks #29 of 127 among New Jersey CUs with a reported count (7,437 members).
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
New Jersey Law and Public Safety: 2025Q4 → 2026Q1
New Jersey Law and Public Safety: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.6% from $64.9M (2025Q4) to $63.9M (2026Q1).
- Net-worth ratio shifted +0.68 pp (18.46% → 19.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 19.14%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.5 pts
- Loan-to-Share Ratio 15.5 pts
New Jersey Law health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.14% | +5.52 pp |
| Delinquency Rate | 0.12% | -0.84 pp |
| Return on Assets | 1.20% | +0.55 pp |
| Member Growth | -1.94% | - |
| Loan-to-Share Ratio | 75.85% | +13.25 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
New Jersey Law filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $63.9M | - |
| 2025Q4 | $64.9M | 7,437 |
| 2024Q4 | $60.7M | 7,584 |
| 2023Q4 | $55.7M | 7,717 |
Credit Union Details
- Charter Number
- 66130
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- New Jersey
- City
- Trenton
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for New Jersey Law and Public Safety, spread across 2 cities.
| Office | City |
|---|---|
| MAIN (Main Office) | Trenton, NJ |
| STATEPOLICE | Ewing, NJ |
| JUSTICE | Trenton, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near New Jersey Law and Public Safety
Two NCUA Call Report peer sets for New Jersey Law and Public Safety, 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 ($64.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- New Jersey Law and Public Safety ranks #885 of 4,374 nationally on financial health and #6 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fort Billings is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fort Billings
- 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 Jersey Law and Public Safety financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, New Jersey Law and Public Safety carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #885 of 4,374; by total assets it ranks #2,197 of 4,374 nationally (same basis as /rankings/largest); and #39 of 127 within New Jersey. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.14% net worth ratio and a 0.12% delinquency rate.
How does New Jersey Law and Public Safety compare to other credit unions?
New Jersey Law and Public Safety scores 91/100 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 New Jersey Law and Public Safety?
Membership eligibility for New Jersey Law and Public Safety depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact New Jersey Law and Public Safety directly for current membership requirements and application steps.
Is my money safe at New Jersey Law and Public Safety?
Federal credit unions like New Jersey Law and Public Safety 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 Jersey Law and Public Safety's net worth ratio of 19.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New Jersey Law and Public Safety offer compared to banks?
Credit unions like New Jersey Law and Public Safety 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 Jersey Law and Public Safety 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.