Federal credit union · PRINCETON, New Jersey · NCUA charter #21009
PRINCETON
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $172.2M
- Total assets
- 8,604
- Members
- 9.8%
- Net-worth ratio
PRINCETON scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $172.2M; members 8,604; net-worth ratio 9.83%; health rank #1,502 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,502 of 4,374 health · 2025Q4PRINCETON · health 88/100 · $172.2M · 2025Q4
Call Report peers
PRINCETON in the assets neighbourhood
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PRINCETON vs every NCUA-scored credit union
PRINCETON sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for PRINCETON
- Loan-to-Share Ratio leads the peer set - 78.74% here, 72.20% peer average (+6.54 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.28 pp (9.83% vs 12.11%).
PRINCETON: in-state Call Report ranks
- Health composite ranks #11 of 127 among scored New Jersey credit unions.
- Assets rank #18 of 127 inside New Jersey ($172.2M reported).
- Membership ranks #25 of 127 among New Jersey CUs with a reported count (8,604 members).
- One place up in New Jersey, Jersey Shore (#10) scores 89/100, 1 point higher; one place down, Members 1st of Nj (#12) scores 87/100, 1 point lower.
How PRINCETON's 5300 filing moved
PRINCETON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.8% from $172.2M (2025Q4) to $170.7M (2026Q1).
- Net-worth ratio shifted +0.09 pp (9.74% → 9.83%).
This credit union's 9.83% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
PRINCETON gives up 12 points in total. Return on Assets costs the most, 9 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 29.6 pts
- Delinquency Rate 24.3 pts
- Return on Assets 6.0 pts
- Member Growth 12.9 pts
- Loan-to-Share Ratio 15.2 pts
PRINCETON vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.83% | -2.28 pp |
| Delinquency Rate | 0.57% | -0.32 pp |
| Return on Assets | 0.03% | -0.59 pp |
| Member Growth | 3.24% | - |
| Loan-to-Share Ratio | 78.74% | +6.54 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
PRINCETON filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $170.7M | - |
| 2025Q4 | $172.2M | 8,604 |
| 2024Q4 | $171.4M | 8,334 |
| 2023Q4 | $168.9M | 8,103 |
Credit Union Details
- Charter Number
- 21009
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- PRINCETON
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for PRINCETON.
| Office | City |
|---|---|
| Alexander Park (Main Office) | Princeton, NJ |
| Alexander Road | Princeton, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near PRINCETON
Using this data
- PRINCETON ranks #1,502 of 4,374 nationally on financial health and #11 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Financial
Frequently Asked Questions
Is PRINCETON financially healthy?
PRINCETON has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,502 of 4,374 nationally on health and #11 of 127 in New Jersey. Its net worth ratio is 9.83% and its delinquency rate 0.57%.
How does PRINCETON compare to other credit unions?
PRINCETON scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (78.74% vs 72.20%). Its widest shortfall is net worth ratio (9.83% vs 12.11%).
How can I join PRINCETON?
PRINCETON operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact PRINCETON directly for the exact boundaries and application steps.
Is my money safe at PRINCETON?
PRINCETON 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. PRINCETON's net worth ratio of 9.83% 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.