Federal credit union · PASSAIC, New Jersey · NCUA charter #12227
Passaic Police
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $7.1M
- Total assets
- 615
- Members
- 15.3%
- Net-worth ratio
Passaic Police scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.1M; members 615; net-worth ratio 15.28%; health rank #2,950 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
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Passaic Police vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Passaic Police sits in 75-79 with 502 others.
78 31st percentile higher than 31% 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 Passaic Police
- Return on Assets leads the peer set - 1.27% here, 0.45% peer average (+0.82 pp).
- Loan-to-Share Ratio trails the peer set - 35.36% here, 63.60% peer average (-28.24 pp).
Where Passaic Police sits in New Jersey
- New Jersey health ordinal: #51 of 127.
- New Jersey assets place: #95 of 127.
- Membership ranks #108 of 127 among New Jersey CUs with a reported count (615 members).
- One place up in New Jersey, Atlantic City Police (#50) ties at 78/100; one place down, CRIERS (#52) scores 77/100, 1 point lower.
How Passaic Police's 5300 filing moved
Passaic Police: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $7.1M (2025Q4) to $7.3M (2026Q1).
- Net-worth ratio shifted +0.26 pp (15.02% → 15.28%).
At 15.28%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Passaic Police gives up 22 points in total. Delinquency Rate costs the most, 10.8 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.2 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 9.0 pts
Call Report ratios for Passaic Police
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.28% | -3.78 pp |
| Delinquency Rate | 1.77% | -0.04 pp |
| Return on Assets | 1.27% | +0.82 pp |
| Member Growth | 0.65% | - |
| Loan-to-Share Ratio | 35.36% | -28.24 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Passaic Police quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.3M | - |
| 2025Q4 | $7.1M | 615 |
| 2024Q4 | $7.0M | 611 |
| 2023Q4 | $7.7M | 628 |
Credit Union Details
- Charter Number
- 12227
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- PASSAIC
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Passaic Police runs one office.
| Office | City |
|---|---|
| Pasaic Police Federal Credit Union (Main Office) | Passaic, 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.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Passaic Police ranks #2,950 of 4,374 nationally on financial health and #51 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Linden Nj Police & Firemen is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Linden Nj Police & Firemen
Frequently Asked Questions
Is Passaic Police financially healthy?
Passaic Police has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,950 of 4,374 nationally on health and #51 of 127 in New Jersey. Its net worth ratio is 15.28% and its delinquency rate 1.77%.
How does Passaic Police compare to other credit unions?
Passaic Police scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is return on assets (1.27% vs 0.45%). Its widest shortfall is loan-to-share ratio (35.36% vs 63.60%).
How can I join Passaic Police?
Passaic Police carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Passaic Police directly to confirm current membership steps.
Is my money safe at Passaic Police?
Passaic Police 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. Passaic Police's net worth ratio of 15.28% 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.