Federal credit union · CLIFTON, New Jersey · NCUA charter #13439
Nova Ua
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $152.8M
- Total assets
- 3,691
- Members
- 13.9%
- Net-worth ratio
Nova Ua scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $152.8M; members 3,691; net-worth ratio 13.85%; health rank #1,785 of 4,374; healthier than 57th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,785 of 4,374 health · 2025Q4Nova Ua · health 86/100 · $152.8M · 2025Q4
Call Report peers
Nova Ua in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Nova Ua vs every NCUA-scored credit union
Nova Ua 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
Nova Ua vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +5.03 pp (77.23% vs 72.20%).
- Widest shortfall vs peers is Return on Assets: -0.37 pp (0.25% vs 0.62%).
Nova Ua in New Jersey
- New Jersey health ordinal: #17 of 127.
- Assets rank #20 of 127 inside New Jersey ($152.8M reported).
- New Jersey membership ordinal: #43 of 127.
- One place up in New Jersey, Harrison Police & Firemen's (#16) ties at 86/100; one place down, Manville Area (#18) ties at 86/100.
How Nova Ua's 5300 filing moved
Nova Ua: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $152.8M (2025Q4) to $155.2M (2026Q1).
- Net-worth ratio shifted -0.15 pp (14.00% → 13.85%).
This credit union's 13.85% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Nova Ua gives up 14 points in total. Member Growth costs the most, 10.4 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.3 pts
- Member Growth 4.6 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.85% | +1.74 pp |
| Delinquency Rate | 0.18% | -0.71 pp |
| Return on Assets | 0.25% | -0.37 pp |
| Member Growth | -2.43% | - |
| Loan-to-Share Ratio | 77.23% | +5.03 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $155.2M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, Nova Ua runs 2 offices.
| Office | City |
|---|---|
| Clifton Office (Main Office) | Clifton, NJ |
| Botany Branch | Clifton, 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.
Nova Ua nationwide neighbourhoods
Similar total assets
Using this data
- Nova Ua ranks #1,785 of 4,374 nationally on financial health and #17 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RIEGEL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RIEGEL
Frequently Asked Questions
Is Nova Ua financially healthy?
On its 2025Q4 NCUA 5300 filing, Nova Ua scores 86/100 (Excellent), with a 13.85% net worth ratio and 0.18% of loans delinquent. It ranks #1,785 of 4,374 nationally on health and #17 of 127 in New Jersey.
How does Nova Ua compare to other credit unions?
Nova Ua scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (77.23% vs 72.20%). Its widest shortfall is return on assets (0.25% vs 0.62%).
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?
Nova Ua 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. Nova Ua's net worth ratio of 13.85% 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.