Federal credit union · Nutley, New Jersey · NCUA charter #20448
PROPONENT
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $508.3M
- Total assets
- 18,623
- Members
- 14.0%
- Net-worth ratio
PROPONENT scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $508.3M; members 18,623; net-worth ratio 14.02%; health rank #2,251 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,251 of 4,374 health · 2025Q4PROPONENT · health 83/100 · $508.3M · 2025Q4
Call Report peers
PROPONENT in the assets neighbourhood
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PROPONENT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PROPONENT sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
PROPONENT: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 93.53% vs peer 83.90% (+9.63 pp).
- Return on Assets trails the peer set - 0.24% here, 0.51% peer average (-0.27 pp).
PROPONENT: in-state Call Report ranks
- New Jersey health ordinal: #30 of 127.
- Assets rank #4 of 127 inside New Jersey ($508.3M reported).
- Membership ranks #13 of 127 among New Jersey CUs with a reported count (18,623 members).
- One place up in New Jersey, Fairleigh Dickinson University (#29) ties at 83/100; one place down, RUTGERS (#31) ties at 83/100.
Quarter path for PROPONENT
PROPONENT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $508.3M (2025Q4) to $518.6M (2026Q1).
- Net-worth ratio shifted -0.25 pp (14.27% → 14.02%).
At 14.02%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
PROPONENT gives up 17 points in total. Member Growth costs the most, 7.1 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.7 pts
- Return on Assets 11.1 pts
- Member Growth 7.9 pts
- Loan-to-Share Ratio 13.3 pts
PROPONENT health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.02% | +2.84 pp |
| Delinquency Rate | 0.93% | +0.06 pp |
| Return on Assets | 0.24% | -0.27 pp |
| Member Growth | -0.62% | - |
| Loan-to-Share Ratio | 93.53% | +9.63 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $518.6M | - |
| 2025Q4 | $508.3M | 18,623 |
| 2024Q4 | $514.0M | 18,740 |
| 2023Q4 | $498.7M | 19,187 |
Credit Union Details
- Charter Number
- 20448
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New Jersey
- City
- Nutley
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for PROPONENT, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Nutley, NJ |
| Forestdale Member Service Center | Burlington, NC |
| Bloomfield Member Service Center | Nutley, NJ |
| Kingsland Member Service Center | Nutley, 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.
Nationwide credit unions with similar profiles
Using this data
- PROPONENT ranks #2,251 of 4,374 nationally on financial health and #30 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Financial Resources is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Financial Resources
Frequently Asked Questions
Is PROPONENT financially healthy?
On its 2025Q4 NCUA 5300 filing, PROPONENT scores 83/100 (Excellent), with a 14.02% net worth ratio and 0.93% of loans delinquent. It ranks #2,251 of 4,374 nationally on health and #30 of 127 in New Jersey.
How does PROPONENT compare to other credit unions?
PROPONENT scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (93.53% vs 83.90%). Its widest shortfall is return on assets (0.24% vs 0.51%).
How can I join PROPONENT?
PROPONENT 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 PROPONENT directly for the exact boundaries and application steps.
Is my money safe at PROPONENT?
PROPONENT 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. PROPONENT's net worth ratio of 14.02% 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.