Federal credit union · New Brunswick, New Jersey · NCUA charter #9237
RUTGERS
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $78.9M
- Total assets
- 6,476
- Members
- 11.6%
- Net-worth ratio
RUTGERS scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $78.9M; members 6,476; net-worth ratio 11.64%; health rank #2,286 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,286 of 4,374 health · 2025Q4RUTGERS · health 83/100 · $78.9M · 2025Q4
Call Report peers
RUTGERS in the assets neighbourhood
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RUTGERS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); RUTGERS 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
RUTGERS vs $50M–$100M peers
- Largest favorable gap: Delinquency Rate at 0.27% vs peer 0.96% (-0.69 pp).
- Largest lag: Loan-to-Share Ratio at 31.84% vs peer 62.60% (-30.76 pp).
RUTGERS: in-state Call Report ranks
- In New Jersey, health place is #31 of 127 on the same NCUA-ratio sort used nationally.
- New Jersey assets place: #35 of 127.
- Membership ranks #32 of 127 among New Jersey CUs with a reported count (6,476 members).
- One place up in New Jersey, PROPONENT (#30) ties at 83/100; one place down, MOTION (#32) ties at 83/100.
RUTGERS: 2025Q4 → 2026Q1
RUTGERS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $78.9M (2025Q4) to $81.4M (2026Q1).
- Net-worth ratio shifted -0.01 pp (11.65% → 11.64%).
At 11.64%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
RUTGERS gives up 17 points in total. Member Growth costs the most, 11.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.7 pts
- Loan-to-Share Ratio 9.3 pts
RUTGERS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.64% | -1.98 pp |
| Delinquency Rate | 0.27% | -0.69 pp |
| Return on Assets | 1.06% | +0.40 pp |
| Member Growth | -2.94% | - |
| Loan-to-Share Ratio | 31.84% | -30.76 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - RUTGERS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $81.4M | - |
| 2025Q4 | $78.9M | 6,476 |
| 2024Q4 | $81.3M | 6,672 |
| 2023Q4 | $87.3M | 6,889 |
Credit Union Details
- Charter Number
- 9237
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $50M–$100M
- State
- New Jersey
- City
- New Brunswick
- Data Quarter
- 2025Q4
Branch Locations (2)
RUTGERS operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main- CAC (Main Office) | New Brunswick, NJ |
| Branch 01-Busch | Piscataway, 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 RUTGERS
Using this data
- RUTGERS ranks #2,286 of 4,374 nationally on financial health and #31 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- B-M S is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with B-M S
Frequently Asked Questions
Is RUTGERS financially healthy?
On its 2025Q4 NCUA 5300 filing, RUTGERS scores 83/100 (Excellent), with a 11.64% net worth ratio and 0.27% of loans delinquent. It ranks #2,286 of 4,374 nationally on health and #31 of 127 in New Jersey.
How does RUTGERS compare to other credit unions?
RUTGERS scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.27% vs 0.96%). Its widest shortfall is loan-to-share ratio (31.84% vs 62.60%).
How can I join RUTGERS?
RUTGERS is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact RUTGERS directly to confirm eligibility.
Is my money safe at RUTGERS?
RUTGERS 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. RUTGERS's net worth ratio of 11.64% 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.