Federal credit union · Totowa, New Jersey · NCUA charter #1015
North Jersey
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $252.6M
- Total assets
- 27,665
- Members
- 10.4%
- Net-worth ratio
North Jersey scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $252.6M; members 27,665; net-worth ratio 10.39%; health rank #1,833 of 4,374; healthier than 57th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,833 of 4,374 health · 2025Q4North Jersey · health 86/100 · $252.6M · 2025Q4
- ROA 86/100
- ASSETS 10.4%
- MEM 1.10%
- RANK 0.06%
- PHOTO $252.6M
- BOOK 27,665
- CHARTER #1,833/4,374
- NCUSIF Knoxville Teachers
- CAMELS 1015
Call Report peers
North Jersey in the assets neighbourhood
North Jersey's $252.6M assets sit next to Knoxville Teachers ($252.7M) 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.
North Jersey 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
86 Top 43% higher than 57% 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
North Jersey - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #1015. See our deposit-insurance coverage note.
North Jersey vs $100M–$500M peers
- Largest lag: Loan-to-Share Ratio at 66.29% vs peer 72.20% (-5.91 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where North Jersey sits in New Jersey
- Health composite ranks #19 of 127 among scored New Jersey credit unions.
- New Jersey assets place: #12 of 127.
- Member book place in New Jersey: #6 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
North Jersey Call Report trajectory
North Jersey: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $252.6M (2025Q4) to $256.7M (2026Q1).
- Net-worth ratio shifted +0.27 pp (10.12% → 10.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.39% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.3 pts
- Return on Assets 7.3 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.4 pts
North Jersey vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.39% | -1.72 pp |
| Delinquency Rate | 1.10% | +0.20 pp |
| Return on Assets | 0.06% | -0.56 pp |
| Member Growth | 13.35% | - |
| Loan-to-Share Ratio | 66.29% | -5.91 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
North Jersey quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $256.7M | - |
| 2025Q4 | $252.6M | 27,665 |
| 2024Q4 | $232.5M | 24,407 |
| 2023Q4 | $232.6M | 23,794 |
Credit Union Details
- Charter Number
- 1015
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- Totowa
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, North Jersey runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Totowa Branch (Main Office) | Totowa, NJ |
| Elmwood Park | Elmwood Park, NJ |
| Newark | Newark, NJ |
| Newark Norman Road Branch | Newark, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for North Jersey - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($252.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- North Jersey ranks #1,833 of 4,374 nationally on financial health and #19 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greater Alliance is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greater Alliance
- 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 North Jersey financially healthy?
North Jersey has a financial health score of 86/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,833 of 4,374; by total assets it ranks #1,134 of 4,374 nationally (same basis as /rankings/largest); and #12 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 10.39% and delinquency rate of 1.10%.
How does North Jersey compare to other credit unions?
On PlainCU's health composite, North Jersey lands at 86/100, compared to a peer group average for $100M–$500M 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 North Jersey?
North Jersey 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 North Jersey directly for the exact boundaries and application steps.
Is my money safe at North Jersey?
Federal credit unions like North Jersey 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. North Jersey's net worth ratio of 10.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does North Jersey offer compared to banks?
Credit unions like North Jersey 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 North Jersey 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.