State credit union · Trenton, New Jersey · NCUA charter #66130
New Jersey Law and Public Safety
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $64.9M
- Total assets
- 7,437
- Members
- 18.5%
- Net-worth ratio
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.
New Jersey Law and Public Safety - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth37
- Liquidity (loan-to-share)100
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 18.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.46% | 30% |
| Delinquency Rate | 0.12% | 25% |
| Return on Assets | 1.20% | 15% |
| Member Growth | -1.94% | 15% |
| Loan-to-Share Ratio | 75.85% | 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 | $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
What This Data Says About New Jersey Law and Public Safety
Headquartered in Trenton, New Jersey, New Jersey Law and Public Safety is a state credit union with 7,437 members, $64.9M in total assets, and $39.7M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 91/100 (Excellent), driven in part by a net worth ratio of 18.46% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #66130 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.12% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. The loan-to-share ratio of 75.85% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.20% on net income of $782K 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 -1.94%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 18.46% 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 18.46% 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.
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.