Federal credit union · Waldwick, New Jersey · NCUA charter #9723
N.J.T. Employees
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $37.6M
- Total assets
- 2,526
- Members
- 11.4%
- Net-worth ratio
N.J.T. Employees scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $37.6M; members 2,526; net-worth ratio 11.42%; health rank #1,986 of 4,374; healthier than 54th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,986 of 4,374 health · 2025Q4N.J.T. Employees · health 85/100 · $37.6M · 2025Q4
Call Report peers
N.J.T. Employees in the assets neighbourhood
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N.J.T. Employees vs every NCUA-scored credit union
N.J.T. Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for N.J.T. Employees
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.23 pp (0.91% vs 1.15%).
- Largest lag: Loan-to-Share Ratio at 22.89% vs peer 59.80% (-36.91 pp).
N.J.T. Employees: in-state Call Report ranks
- In New Jersey, health place is #22 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, N.J.T. Employees is #51 of 127 in New Jersey.
- Member book place in New Jersey: #56 of 127.
- One place up in New Jersey, I.L.a. Local 1235 (#21) ties at 85/100; one place down, PICATINNY (#23) ties at 85/100.
Quarter path for N.J.T. Employees
N.J.T. Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $37.6M (2025Q4) to $38.7M (2026Q1).
- Net-worth ratio shifted -0.30 pp (11.72% → 11.42%).
At 11.42%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
N.J.T. Employees gives up 15 points in total. Loan-to-Share Ratio costs the most, 6.9 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.9 pts
- Return on Assets 14.8 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 8.5 pts
N.J.T. Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.42% | -3.44 pp |
| Delinquency Rate | 0.91% | -0.23 pp |
| Return on Assets | 0.49% | -0.22 pp |
| Member Growth | 1.53% | - |
| Loan-to-Share Ratio | 22.89% | -36.91 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $38.7M | - |
| 2025Q4 | $37.6M | 2,526 |
| 2024Q4 | $35.3M | 2,488 |
| 2023Q4 | $19.3M | 1,259 |
Credit Union Details
- Charter Number
- 9723
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Waldwick
- Data Quarter
- 2025Q4
Branch Locations (2)
N.J.T. Employees operates 2 offices in Waldwick, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| NJT Employees FCU (Main Office) | Waldwick, NJ |
| OFF SITE | Waldwick, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near N.J.T. Employees
Using this data
- N.J.T. Employees ranks #1,986 of 4,374 nationally on financial health and #22 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Garden State is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Garden State
Frequently Asked Questions
Is N.J.T. Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, N.J.T. Employees scores 85/100 (Excellent), with a 11.42% net worth ratio and 0.91% of loans delinquent. It ranks #1,986 of 4,374 nationally on health and #22 of 127 in New Jersey.
How does N.J.T. Employees compare to other credit unions?
N.J.T. Employees scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.91% vs 1.15%). Its widest shortfall is loan-to-share ratio (22.89% vs 59.80%).
How can I join N.J.T. Employees?
N.J.T. Employees 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 N.J.T. Employees directly for the current list of qualifying groups.
Is my money safe at N.J.T. Employees?
N.J.T. Employees 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. N.J.T. Employees's net worth ratio of 11.42% 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.