Federal credit union · East Hanover, New Jersey · NCUA charter #5419
RIDGEDALE
Health score 57/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $94.9M
- Total assets
- 3,709
- Members
- 8.9%
- Net-worth ratio
RIDGEDALE scores 57/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $94.9M; members 3,709; net-worth ratio 8.91%; health rank #4,142 of 4,374; healthier than 5th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,142 of 4,374 health · 2025Q4RIDGEDALE · health 57/100 · $94.9M · 2025Q4
Call Report peers
RIDGEDALE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
RIDGEDALE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); RIDGEDALE sits in 55-59 with 115 others.
57 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where RIDGEDALE diverges from peer averages
- Loan-to-Share Ratio trails the peer set - 54.54% here, 62.60% peer average (-8.06 pp).
New Jersey standing for RIDGEDALE
- New Jersey health ordinal: #115 of 127.
- Assets rank #30 of 127 inside New Jersey ($94.9M reported).
- New Jersey membership ordinal: #42 of 127.
- One place up in New Jersey, Trenton Teachers (#114) ties at 57/100; one place down, Ocnac #1 (#116) scores 56/100, 1 point lower.
RIDGEDALE: 2025Q4 → 2026Q1
RIDGEDALE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.9% from $94.9M (2025Q4) to $100.5M (2026Q1).
- Net-worth ratio shifted -0.66 pp (9.57% → 8.91%).
8.91% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 57/100 score is built
RIDGEDALE gives up 43 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio loses the least, 2.7.
- Net Worth Ratio 27.3 pts
- Delinquency Rate 18.6 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.1 pts
RIDGEDALE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.91% | -4.71 pp |
| Delinquency Rate | 1.19% | +0.23 pp |
| Return on Assets | -0.76% | -1.42 pp |
| Member Growth | -5.12% | - |
| Loan-to-Share Ratio | 54.54% | -8.06 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - RIDGEDALE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $100.5M | - |
| 2025Q4 | $94.9M | 3,709 |
| 2024Q4 | $99.2M | 3,909 |
| 2023Q4 | $103.7M | 3,922 |
Credit Union Details
- Charter Number
- 5419
- Type
- Federal
- Field of Membership
- Healthcare
- Peer Group
- $50M–$100M
- State
- New Jersey
- City
- East Hanover
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for RIDGEDALE, spread across 2 cities.
| Office | City |
|---|---|
| Ridgedale Office (Main Office) | East Hanover, NJ |
| Liberty Federal Credit Union | Jersey City, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
Other-state peers near RIDGEDALE
Using this data
- RIDGEDALE ranks #4,142 of 4,374 nationally on financial health and #115 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bay Atlantic is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bay Atlantic
Frequently Asked Questions
Is RIDGEDALE financially healthy?
On its 2025Q4 NCUA 5300 filing, RIDGEDALE scores 57/100 (Fair), with a 8.91% net worth ratio and 1.19% of loans delinquent. It ranks #4,142 of 4,374 nationally on health and #115 of 127 in New Jersey.
How does RIDGEDALE compare to other credit unions?
RIDGEDALE scores 57/100, higher than 5% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (54.54% vs 62.60%).
How can I join RIDGEDALE?
RIDGEDALE is chartered around a single common bond (Healthcare), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact RIDGEDALE directly to confirm eligibility.
Is my money safe at RIDGEDALE?
RIDGEDALE 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. RIDGEDALE's net worth ratio of 8.91% 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.