Federal credit union · Woodbridge, New Jersey · NCUA charter #24958
New Jersey State Pba
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $6.2M
- Total assets
- 912
- Members
- 18.9%
- Net-worth ratio
New Jersey State Pba - Share Insurance Coverage
Charter #24958's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
New Jersey State Pba - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth100
- Liquidity (loan-to-share)59
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 18.93% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.93% | 30% |
| Delinquency Rate | 0.06% | 25% |
| Return on Assets | -2.02% | 15% |
| Member Growth | 179.75% | 15% |
| Loan-to-Share Ratio | 31.74% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.2M | 912 |
| 2024Q4 | $2.6M | 326 |
Credit Union Details
- Charter Number
- 24958
- Type
- Federal
- Field of Membership
- Association/Group
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- Woodbridge
- Data Quarter
- 2025Q4
What This Data Says About New Jersey State Pba
912 members and $6.2M in total assets sit behind New Jersey State Pba, a federal credit union in Woodbridge, New Jersey, which posts a health score of 79/100 (Very Good) on the five-factor composite, with $1.6M in outstanding loans as of Q4 2025 and a net worth ratio of 18.93% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24958 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
0.06% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 31.74% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -2.02% on net income of $-125464 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 179.75%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Association/Group); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
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 State Pba financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, New Jersey State Pba carries a financial health score of 79/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 18.93% net worth ratio and a 0.06% delinquency rate.
How does New Jersey State Pba compare to other credit unions?
New Jersey State Pba scores 79/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 State Pba?
New Jersey State Pba 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 Jersey State Pba directly for the current list of qualifying groups.
Is my money safe at New Jersey State Pba?
Federal credit unions like New Jersey State Pba 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 State Pba's net worth ratio of 18.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New Jersey State Pba offer compared to banks?
Credit unions like New Jersey State Pba 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 State Pba 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.