Federal credit union · Paterson, New Jersey · NCUA charter #8339
Paterson Police
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $4.6M
- Total assets
- 531
- Members
- 19.5%
- Net-worth ratio
Paterson Police scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.6M; members 531; net-worth ratio 19.54%; health rank #3,385 of 4,374; healthier than 21st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,385 of 4,374 health · 2025Q4Paterson Police · health 73/100 · $4.6M · 2025Q4
- PHOTO 73/100
- BOOK 19.5%
- CHARTER 0.82%
- NCUSIF -0.45%
- CAMELS $4.6M
- HEALTH 531
- NW #3,385/4,374
- DELQ n/a
- ROA 8339
Paterson Police carries $4.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Paterson Police 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
73 21st percentile higher than 21% 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
Paterson Police - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #8339 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Paterson Police diverges from peer averages
- Delinquency Rate leads the peer set - 0.82% here, 1.81% peer average (-0.99 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -22.03 pp (41.57% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Paterson Police in New Jersey
- Health composite ranks #64 of 127 among scored New Jersey credit unions.
- New Jersey assets place: #107 of 127.
- Membership ranks #110 of 127 among New Jersey CUs with a reported count (531 members).
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Paterson Police: 2025Q4 → 2026Q1
Paterson Police: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $4.6M (2025Q4) to $4.7M (2026Q1).
- Net-worth ratio shifted -0.40 pp (19.94% → 19.54%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 19.54% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.8 pts
- Return on Assets 0.4 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 10.2 pts
Call Report ratios for Paterson Police
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.54% | +0.48 pp |
| Delinquency Rate | 0.82% | -0.99 pp |
| Return on Assets | -0.45% | -0.90 pp |
| Member Growth | 1.34% | - |
| Loan-to-Share Ratio | 41.57% | -22.03 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.7M | - |
| 2025Q4 | $4.6M | 531 |
| 2024Q4 | $4.9M | 524 |
| 2023Q4 | $5.1M | 516 |
Credit Union Details
- Charter Number
- 8339
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- Paterson
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Paterson Police.
| Office | City |
|---|---|
| Office (Main Office) | Paterson, NJ |
| Records | Paterson, 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
Two NCUA Call Report peer sets for Paterson Police, both outside New Jersey so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- Paterson Police ranks #3,385 of 4,374 nationally on financial health and #64 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Gaf Linden Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gaf Linden Employees
- 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 Paterson Police financially healthy?
Paterson Police has a financial health score of 73/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,385 of 4,374; by total assets it ranks #3,921 of 4,374 nationally (same basis as /rankings/largest); and #107 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 19.54% and delinquency rate of 0.82%.
How does Paterson Police compare to other credit unions?
Paterson Police scores 73/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Paterson Police?
Paterson 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 Paterson Police directly to confirm current membership steps.
Is my money safe at Paterson Police?
Federal credit unions like Paterson Police 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. Paterson Police's net worth ratio of 19.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Paterson Police offer compared to banks?
Credit unions like Paterson Police 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 Paterson Police 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.