Federal credit union · Plainfield, New Jersey · NCUA charter #2892

Plainfield Police & Firemen's

Health score 41/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.

41
Health / 100
$1.3M
Total assets
498
Members
19.3%
Net-worth ratio

Plainfield Police & Firemen's - Share Insurance Coverage

Charter #2892's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.

NCUSIF coverage gauge for Plainfield Police & Firemen's Share insurance under NCUSIF covers up to $250,000 per share owner. Plainfield Police & Firemen's holds approximately $1.0M in member shares. Composite CAMELS rating bracket 3 (Fair). Risk-based capital ratio 19.3 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 3 · Fair RBC ratio 19.3% · $1.0M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Plainfield Police & Firemen's - 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) 19.29% 30% weight
  • Asset quality (delinquency) 16.17% 25% weight
  • Earnings (ROA) -1.63% 15% weight
  • Member growth -4.41% 15% weight
  • Liquidity (loan-to-share) 46% 15% weight

Weighted composite: 41/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

This credit union's 19.29% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

$1.3M
Total Assets
498
Members
$461K
Total Loans
$1.0M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 19.29% 30%
Delinquency Rate 16.17% 25%
Return on Assets -1.63% 15%
Member Growth -4.41% 15%
Loan-to-Share Ratio 45.64% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $1.3M 498
2024Q4 $1.5M 521
2023Q4 $1.8M 517

Credit Union Details

Charter Number
2892
Type
Federal
Field of Membership
Low Income
Peer Group
Under $2M
State
New Jersey
City
Plainfield
Data Quarter
2025Q4

What This Data Says About Plainfield Police & Firemen's

The five-factor composite scores Plainfield Police & Firemen's at 41/100 (Below Average), reflecting a net worth ratio of 19.29% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Plainfield, New Jersey, reports 498 members, $1.3M in total assets, and $461K in outstanding loans as of Q4 2025 under charter #2892 (peer group Under $2M, a cohort of 243 similarly-sized institutions).

16.17% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Deposit deployment is captured by the 45.64% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -1.63% on net income of $-21507 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 -4.41%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Low Income) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.

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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 Plainfield Police & Firemen's financially healthy?

Plainfield Police & Firemen's has a financial health score of 41/100 (Below Average) 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 19.29% and delinquency rate of 16.17%.

How does Plainfield Police & Firemen's compare to other credit unions?

PlainCU's health composite puts Plainfield Police & Firemen's at 41/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Plainfield Police & Firemen's?

Plainfield Police & Firemen's 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 Plainfield Police & Firemen's directly to confirm current membership steps.

Is my money safe at Plainfield Police & Firemen's?

Federal credit unions like Plainfield Police & Firemen's 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. Plainfield Police & Firemen's's net worth ratio of 19.29% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Plainfield Police & Firemen's offer compared to banks?

Credit unions like Plainfield Police & Firemen's 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 Plainfield Police & Firemen's 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.