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.
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NCUA 5300 Call Report Masthead
#1,833 of 4,374 health · 2025Q4North Jersey · health 86/100 · $252.6M · 2025Q4
Call Report peers
North Jersey in the assets neighbourhood
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North Jersey vs every NCUA-scored credit union
North Jersey sits in the busiest band, 85-89, alongside 857 other credit unions.
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 vs $100M–$500M peers
- Largest lag: Loan-to-Share Ratio at 66.29% vs peer 72.20% (-5.91 pp).
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.
- One place up in New Jersey, Manville Area (#18) ties at 86/100; one place down, Federal Employees Newark (#20) scores 85/100, 1 point lower.
North Jersey Call Report trajectory
North Jersey: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $252.6M (2025Q4) to $256.7M (2026Q1).
- Net-worth ratio shifted +0.27 pp (10.12% → 10.39%).
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
North Jersey gives up 14 points in total. Return on Assets costs the most, 7.7 of its 15; Net Worth Ratio and Member Growth score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is North Jersey financially healthy?
On its 2025Q4 NCUA 5300 filing, North Jersey scores 86/100 (Excellent), with a 10.39% net worth ratio and 1.10% of loans delinquent. It ranks #1,833 of 4,374 nationally on health and #19 of 127 in New Jersey.
How does North Jersey compare to other credit unions?
North Jersey scores 86/100, higher than 57% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (66.29% vs 72.20%).
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?
North Jersey 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. North Jersey's net worth ratio of 10.39% 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.