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
- MEM 71/100
- RANK 9.7%
- PHOTO 0.00%
- BOOK -0.15%
- CHARTER $27.6M
- NCUSIF 2,381
- CAMELS #3,547/4,374
- HEALTH HEALTH
- NW 19454
Call Report peers
Nj Gateway in the assets neighbourhood
Nj Gateway's $27.6M assets sit next to HEALTH ($27.6M) 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.
Nj Gateway 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
71 18th percentile higher than 18% 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
Nj Gateway - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #19454: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Nj Gateway's 5300 filing moved
Nj Gateway: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $27.6M (2025Q4) to $28.0M (2026Q1).
- Net-worth ratio shifted -0.02 pp (9.72% → 9.70%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Nj Gateway, 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 ($27.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
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
- 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 Nj Gateway financially healthy?
Nj Gateway has a financial health score of 71/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,547 of 4,374; by total assets it ranks #2,921 of 4,374 nationally (same basis as /rankings/largest); and #57 of 127 within New Jersey. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.70% and delinquency rate of 0.00%.
How does Nj Gateway compare to other credit unions?
On PlainCU's health composite, Nj Gateway lands at 71/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 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?
Federal credit unions like Nj Gateway 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. Nj Gateway's net worth ratio of 9.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Nj Gateway offer compared to banks?
Credit unions like Nj Gateway 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 Nj Gateway 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.