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
Call Report peers
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Plainfield Police & Firemen's vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Plainfield Police & Firemen's sits in 40-44 with 25 others.
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
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).
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.
- No scored New Jersey credit union ranks lower; the next one up, Kearny Municipal Employees (#126) ties at 41/100.
Quarter path for Plainfield Police & Firemen's
Plainfield Police & Firemen's: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -5.8% from $1.3M (2025Q4) to $1.2M (2026Q1).
- Net-worth ratio shifted +2.99 pp (22.72% → 25.71%).
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
Plainfield Police & Firemen's gives up 59 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Plainfield Police & Firemen's financially healthy?
On its 2025Q4 NCUA 5300 filing, Plainfield Police & Firemen's scores 41/100 (Below Average), with a 25.71% net worth ratio and 16.17% of loans delinquent. It ranks #4,330 of 4,374 nationally on health and #127 of 127 in New Jersey.
How does Plainfield Police & Firemen's compare to other credit unions?
Plainfield Police & Firemen's scores 41/100, higher than 1% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is net worth ratio (25.71% vs 22.93%). Its widest shortfall is delinquency rate (16.17% vs 4.48%).
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?
Plainfield Police & Firemen's 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. Plainfield Police & Firemen's's net worth ratio of 25.71% 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.