Federal credit union · Woodbridge, New Jersey · NCUA charter #24958
New Jersey State Pba
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $6.2M
- Total assets
- 912
- Members
- 16.1%
- Net-worth ratio
New Jersey State Pba scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.2M; members 912; net-worth ratio 16.13%; health rank #2,833 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,833 of 4,374 health · 2025Q4New Jersey State Pba · health 79/100 · $6.2M · 2025Q4
Call Report peers
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New Jersey State Pba vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); New Jersey State Pba 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
Where New Jersey State Pba diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.75 pp (0.06% vs 1.81%).
- Loan-to-Share Ratio trails the peer set - 31.74% here, 63.60% peer average (-31.86 pp).
New Jersey State Pba: in-state Call Report ranks
- In New Jersey, health place is #43 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, New Jersey State Pba is #100 of 127 in New Jersey.
- Membership ranks #94 of 127 among New Jersey CUs with a reported count (912 members).
- One place up in New Jersey, First Atlantic (#42) scores 80/100, 1 point higher; one place down, Mercer County Nj Teachers (#44) ties at 79/100.
Quarter path for New Jersey State Pba
New Jersey State Pba: total assets by quarter
2024Q4 to 2026Q1, NCUA 5300
- Assets moved +14.6% from $6.2M (2025Q4) to $7.1M (2026Q1).
- Net-worth ratio shifted -2.80 pp (18.93% → 16.13%).
This credit union's 16.13% 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 Jersey State Pba gives up 21 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.0 pts
New Jersey State Pba health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.13% | -2.93 pp |
| Delinquency Rate | 0.06% | -1.75 pp |
| Return on Assets | -2.02% | -2.47 pp |
| Member Growth | 179.75% | - |
| Loan-to-Share Ratio | 31.74% | -31.86 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
New Jersey State Pba quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.1M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, New Jersey State Pba runs 2 offices.
| Office | City |
|---|---|
| VITAL RECORDS OFFICE (Main Office) | Woodbridge, NJ |
| MAIN OFFICE | Woodbridge, 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 Jersey State Pba nationwide neighbourhoods
Using this data
- New Jersey State Pba ranks #2,833 of 4,374 nationally on financial health and #43 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bayonne School Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bayonne School Employees
Frequently Asked Questions
Is New Jersey State Pba financially healthy?
New Jersey State Pba has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,833 of 4,374 nationally on health and #43 of 127 in New Jersey. Its net worth ratio is 16.13% and its delinquency rate 0.06%.
How does New Jersey State Pba compare to other credit unions?
New Jersey State Pba 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 (0.06% vs 1.81%). Its widest shortfall is loan-to-share ratio (31.74% vs 63.60%).
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?
New Jersey State Pba 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 Jersey State Pba's net worth ratio of 16.13% 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.