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
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Paterson Police vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Paterson Police sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in New Jersey, P S E (#63) scores 74/100, 1 point higher; one place down, Garden Savings (#65) ties at 73/100.
Paterson Police: 2025Q4 → 2026Q1
Paterson Police: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $4.6M (2025Q4) to $4.7M (2026Q1).
- Net-worth ratio shifted -0.40 pp (19.94% → 19.54%).
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
Paterson Police gives up 27 points in total. Return on Assets costs the most, 14.6 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Paterson Police financially healthy?
On its 2025Q4 NCUA 5300 filing, Paterson Police scores 73/100 (Very Good), with a 19.54% net worth ratio and 0.82% of loans delinquent. It ranks #3,385 of 4,374 nationally on health and #64 of 127 in New Jersey.
How does Paterson Police compare to other credit unions?
Paterson Police scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.82% vs 1.81%). Its widest shortfall is loan-to-share ratio (41.57% vs 63.60%).
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?
Paterson 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. Paterson Police's net worth ratio of 19.54% 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.