Federal credit union · East Brunswick, New Jersey · NCUA charter #3126
Southern Middlesex Co Tchrs
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $45.8M
- Total assets
- 2,912
- Members
- 10.7%
- Net-worth ratio
Southern Middlesex Co Tchrs - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #3126. See our deposit-insurance coverage note.
Southern Middlesex Co Tchrs - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)32
- Earnings (ROA)100
- Member growth39
- Liquidity (loan-to-share)59
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.73% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.73% | 30% |
| Delinquency Rate | 2.71% | 25% |
| Return on Assets | 0.53% | 15% |
| Member Growth | -1.75% | 15% |
| Loan-to-Share Ratio | 31.57% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Southern Middlesex Co Tchrs
Southern Middlesex Co Tchrs is a federal credit union headquartered in East Brunswick, New Jersey, serving 2,912 members with $45.8M in total assets and $12.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 68/100 (Good), anchored by a net worth ratio of 10.73% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #3126 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 2.71% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 31.57% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.53% on net income of $245K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.75%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Single Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Southern Middlesex Co Tchrs financially healthy?
Yes/no aside, the number is 68/100 (Good) - Southern Middlesex Co Tchrs's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.73% net worth ratio and 2.71% delinquency rate are the key drivers.
How does Southern Middlesex Co Tchrs compare to other credit unions?
PlainCU's health composite puts Southern Middlesex Co Tchrs at 68/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Southern Middlesex Co Tchrs are 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 10.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southern Middlesex Co Tchrs offer compared to banks?
Credit unions like Southern Middlesex Co Tchrs are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Southern Middlesex Co Tchrs directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.