Federal credit union · Plainfield, New Jersey · NCUA charter #2892
Plainfield Police & Firemen's
Health score 41/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 41
- Health / 100
- $1.3M
- Total assets
- 498
- Members
- 25.7%
- Net-worth ratio
Plainfield Police & Firemen's scores 41/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.3M; members 498; net-worth ratio 25.71%; health rank #4,330 of 4,374; healthier than 1st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,330 of 4,374 health · 2025Q4Plainfield Police & Firemen… · health 41/100 · $1.3M · 2025Q4
- NW 41/100
- DELQ 25.7%
- ROA 16.17%
- ASSETS -1.63%
- MEM $1.3M
- RANK 498
- PHOTO #4,330/4,374
- BOOK n/a
- CHARTER 2892
Call Report peers
Plainfield Police & Firemen's carries $1.3M 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.
Plainfield Police & Firemen's 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
41 1st percentile higher than 1% 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
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.
Peer-gap read for Plainfield Police & Firemen's
- Net Worth Ratio leads the peer set - 25.71% here, 22.93% peer average (+2.78 pp).
- Largest lag: Delinquency Rate at 16.17% vs peer 4.48% (+11.69 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New Jersey standing for Plainfield Police & Firemen's
- Health composite ranks #127 of 127 among scored New Jersey credit unions.
- Assets rank #122 of 127 inside New Jersey ($1.3M reported).
- Member book place in New Jersey: #111 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Plainfield Police & Firemen's
Plainfield Police & Firemen's: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -5.8% from $1.3M (2025Q4) to $1.2M (2026Q1).
- Net-worth ratio shifted +2.99 pp (22.72% → 25.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 25.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 41/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 41.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 1.1 pts
- Loan-to-Share Ratio 9.9 pts
Call Report ratios for Plainfield Police & Firemen's
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.71% | +2.78 pp |
| Delinquency Rate | 16.17% | +11.69 pp |
| Return on Assets | -1.63% | -1.86 pp |
| Member Growth | -4.41% | - |
| Loan-to-Share Ratio | 45.64% | -7.06 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Call Report history - Plainfield Police & Firemen's
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.2M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, Plainfield Police & Firemen's runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main (Main Office) | Plainfield, NJ |
| PNC | Piscataway, 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.
- OCEAN COUNTY EMPLOYEESTOMS RIVER, NJ · Under $2M69Health
- TERMINALSCARTERET, NJ · Under $2M65Health
- CRIERSMonroe Township, NJ · Under $2M77Health
- ELIZABETH POLICE DEPARTMENT EELIZABETH, NJ · Under $2M59Health
- MESSIAH BAPTIST CHURCHEast Orange, NJ · Under $2M73Health
Compare Plainfield Police & Firemen's vs OCEAN COUNTY EMPLOYEES
Other-state peers near Plainfield Police & Firemen's
Cross-state asset and health neighbours for Plainfield Police & Firemen's - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (41/100 here).
Using this data
- Plainfield Police & Firemen's ranks #4,330 of 4,374 nationally on financial health and #127 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ocean County Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ocean County 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,330 of 4,374; by total assets it ranks #4,195 of 4,374 nationally (same basis as /rankings/largest); and #122 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 25.71% 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 25.71% 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.
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.