Federal credit union · CLIFTON, New Jersey · NCUA charter #13439
Nova Ua
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $152.8M
- Total assets
- 3,691
- Members
- 13.3%
- Net-worth ratio
Nova Ua - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #13439 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Nova Ua - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)75
- Member growth31
- Liquidity (loan-to-share)100
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.33% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.33% | 30% |
| Delinquency Rate | 0.18% | 25% |
| Return on Assets | 0.25% | 15% |
| Member Growth | -2.43% | 15% |
| Loan-to-Share Ratio | 77.23% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $152.8M | 3,691 |
| 2024Q4 | $147.3M | 3,783 |
| 2023Q4 | $142.9M | 3,805 |
Credit Union Details
- Charter Number
- 13439
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- CLIFTON
- Data Quarter
- 2025Q4
What This Data Says About Nova Ua
Charter #13439, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Nova Ua, a federal credit union in CLIFTON, New Jersey with 3,691 members, $152.8M in total assets, and $101.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 86/100 (Excellent), helped by a net worth ratio of 13.33% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.18% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 77.23% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.25% on net income of $385K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.43%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Nova Ua financially healthy?
Nova Ua has a financial health score of 86/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.33% and delinquency rate of 0.18%.
How does Nova Ua compare to other credit unions?
86/100 is Nova Ua's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Nova Ua?
Nova Ua 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 Nova Ua directly for the exact boundaries and application steps.
Is my money safe at Nova Ua?
Federal credit unions like Nova Ua 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. Nova Ua's net worth ratio of 13.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Nova Ua offer compared to banks?
Credit unions like Nova Ua 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 Nova Ua directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.