Federal credit union · Dayton, New Jersey · NCUA charter #19454
Nj Gateway
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $27.6M
- Total assets
- 2,381
- Members
- 9.7%
- Net-worth ratio
Nj Gateway scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.6M; members 2,381; net-worth ratio 9.70%; health rank #3,547 of 4,374; healthier than 18th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,547 of 4,374 health · 2025Q4Nj Gateway · health 71/100 · $27.6M · 2025Q4
Call Report peers
Nj Gateway in the assets neighbourhood
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Nj Gateway vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Nj Gateway sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Nj Gateway: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -1.15 pp (0.00% vs 1.15%).
- Loan-to-Share Ratio trails the peer set - 16.90% here, 59.80% peer average (-42.90 pp).
Where Nj Gateway sits in New Jersey
- Health composite ranks #75 of 127 among scored New Jersey credit unions.
- By total assets, Nj Gateway is #57 of 127 in New Jersey.
- Membership ranks #57 of 127 among New Jersey CUs with a reported count (2,381 members).
- One place up in New Jersey, Irco Community (#74) ties at 71/100; one place down, Raritan Bay (#76) ties at 71/100.
How Nj Gateway's 5300 filing moved
Nj Gateway: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $27.6M (2025Q4) to $28.0M (2026Q1).
- Net-worth ratio shifted -0.02 pp (9.72% → 9.70%).
9.70% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 71/100 score is built
Nj Gateway gives up 29 points in total. Return on Assets costs the most, 11.9 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 29.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 3.1 pts
- Member Growth 6.0 pts
- Loan-to-Share Ratio 7.6 pts
Call Report ratios for Nj Gateway
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.70% | -5.16 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | -0.15% | -0.86 pp |
| Member Growth | -1.65% | - |
| Loan-to-Share Ratio | 16.90% | -42.90 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Nj Gateway quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.0M | - |
| 2025Q4 | $27.6M | 2,381 |
| 2024Q4 | $27.8M | 2,421 |
| 2023Q4 | $29.3M | 2,481 |
Credit Union Details
- Charter Number
- 19454
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Dayton
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Nj Gateway.
| Office | City |
|---|---|
| Main Branch (Main Office) | Monmouth Junction, 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.
Cross-state Call Report peers for Nj Gateway
Using this data
- Nj Gateway ranks #3,547 of 4,374 nationally on financial health and #75 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Harrison Police & Firemen's is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Harrison Police & Firemen's
Frequently Asked Questions
Is Nj Gateway financially healthy?
Nj Gateway has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,547 of 4,374 nationally on health and #75 of 127 in New Jersey. Its net worth ratio is 9.70% and its delinquency rate 0.00%.
How does Nj Gateway compare to other credit unions?
Nj Gateway scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.00% vs 1.15%). Its widest shortfall is loan-to-share ratio (16.90% vs 59.80%).
How can I join Nj Gateway?
Nj Gateway 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 Nj Gateway directly for the exact boundaries and application steps.
Is my money safe at Nj Gateway?
Nj Gateway 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. Nj Gateway's net worth ratio of 9.70% 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.