Federal credit union · East Brunswick, New Jersey · NCUA charter #3126
Southern Middlesex Co Tchrs
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $45.8M
- Total assets
- 2,912
- Members
- 10.6%
- Net-worth ratio
Southern Middlesex Co Tchrs scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.8M; members 2,912; net-worth ratio 10.62%; health rank #3,720 of 4,374; healthier than 15th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,720 of 4,374 health · 2025Q4Southern Middlesex Co Tchrs · health 68/100 · $45.8M · 2025Q4
Call Report peers
Southern Middlesex Co Tchrs in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Southern Middlesex Co Tchrs vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Southern Middlesex Co Tchrs sits in 65-69 with 275 others.
68 15th percentile higher than 15% 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
Southern Middlesex Co Tchrs vs $10M–$50M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -28.23 pp (31.57% vs 59.80%).
Southern Middlesex Co Tchrs in New Jersey
- In New Jersey, health place is #88 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #47 of 127 inside New Jersey ($45.8M reported).
- Member book place in New Jersey: #51 of 127.
- One place up in New Jersey, Garden State (#87) ties at 68/100; one place down, L'oreal USA (#89) scores 67/100, 1 point lower.
Quarter path for Southern Middlesex Co Tchrs
Southern Middlesex Co Tchrs: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $45.8M (2025Q4) to $47.6M (2026Q1).
- Net-worth ratio shifted -0.11 pp (10.73% → 10.62%).
10.62% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 68/100 score is built
Southern Middlesex Co Tchrs gives up 32 points in total. Delinquency Rate costs the most, 16.9 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.1 pts
- Return on Assets 15.0 pts
- Member Growth 5.8 pts
- Loan-to-Share Ratio 9.1 pts
Call Report ratios for Southern Middlesex Co Tchrs
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.62% | -4.24 pp |
| Delinquency Rate | 2.71% | +1.57 pp |
| Return on Assets | 0.53% | -0.17 pp |
| Member Growth | -1.75% | - |
| Loan-to-Share Ratio | 31.57% | -28.23 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Southern Middlesex Co Tchrs quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $47.6M | - |
| 2025Q4 | $45.8M | 2,912 |
| 2024Q4 | $44.5M | 2,964 |
| 2023Q4 | $42.8M | 2,968 |
Credit Union Details
- Charter Number
- 3126
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- East Brunswick
- Data Quarter
- 2025Q4
Branch Location
Southern Middlesex Co Tchrs operates a single office in East Brunswick, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Southern Middlesex County Teachers FCU (Main Office) | East Brunswick, 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.
Southern Middlesex Co Tchrs nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Southern Middlesex Co Tchrs ranks #3,720 of 4,374 nationally on financial health and #88 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- H. E. Telephone is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with H. E. Telephone
Frequently Asked Questions
Is Southern Middlesex Co Tchrs financially healthy?
On its 2025Q4 NCUA 5300 filing, Southern Middlesex Co Tchrs scores 68/100 (Good), with a 10.62% net worth ratio and 2.71% of loans delinquent. It ranks #3,720 of 4,374 nationally on health and #88 of 127 in New Jersey.
How does Southern Middlesex Co Tchrs compare to other credit unions?
Southern Middlesex Co Tchrs scores 68/100, higher than 15% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (31.57% vs 59.80%).
How can I join Southern Middlesex Co Tchrs?
Southern Middlesex Co Tchrs 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 Southern Middlesex Co Tchrs directly to confirm eligibility.
Is my money safe at Southern Middlesex Co Tchrs?
Southern Middlesex Co Tchrs 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. Southern Middlesex Co Tchrs's net worth ratio of 10.62% 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.