Federal credit union · CARTERET, New Jersey · NCUA charter #17969
TERMINALS
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $925K
- Total assets
- 75
- Members
- 37.0%
- Net-worth ratio
TERMINALS scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $925K; members 75; net-worth ratio 37.04%; health rank #3,850 of 4,374; healthier than 11th of scored peers.
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#3,850 of 4,374 health · 2025Q4TERMINALS · health 65/100 · $925K · 2025Q4
Call Report peers
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TERMINALS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TERMINALS sits in 65-69 with 275 others.
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for TERMINALS
- Loan-to-Share Ratio leads the peer set - 142.06% here, 52.70% peer average (+89.36 pp).
TERMINALS: in-state Call Report ranks
- Health composite ranks #99 of 127 among scored New Jersey credit unions.
- Assets rank #123 of 127 inside New Jersey ($925K reported).
- New Jersey membership ordinal: #127 of 127.
- One place up in New Jersey, Israel Memorial a M E (#98) ties at 65/100; one place down, Monmouth County Postal Employees (#100) ties at 65/100.
TERMINALS Call Report trajectory
TERMINALS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.2% from $925K (2025Q4) to $964K (2026Q1).
- Net-worth ratio shifted -0.50 pp (37.54% → 37.04%).
At 37.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 65/100 score is built
TERMINALS gives up 35 points in total. Loan-to-Share Ratio costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.6 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 0.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 37.04% | +14.11 pp |
| Delinquency Rate | 2.31% | -2.17 pp |
| Return on Assets | 1.58% | +1.36 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 142.06% | +89.36 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $964K | - |
| 2025Q4 | $925K | 75 |
| 2024Q4 | $881K | 75 |
| 2023Q4 | $922K | 81 |
Credit Union Details
- Charter Number
- 17969
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New Jersey
- City
- CARTERET
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for TERMINALS, spread across 2 cities.
| Office | City |
|---|---|
| TFCU (Main Office) | CARTERET, NJ |
| Midstate Federal Credit Union | Carteret, 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.
Cross-state Call Report peers for TERMINALS
Similar health score
Using this data
- TERMINALS ranks #3,850 of 4,374 nationally on financial health and #99 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Messiah Baptist Church is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Messiah Baptist Church
Frequently Asked Questions
Is TERMINALS financially healthy?
TERMINALS has a financial health score of 65/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,850 of 4,374 nationally on health and #99 of 127 in New Jersey. Its net worth ratio is 37.04% and its delinquency rate 2.31%.
How does TERMINALS compare to other credit unions?
TERMINALS scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (142.06% vs 52.70%).
How can I join TERMINALS?
TERMINALS 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 TERMINALS directly for the exact boundaries and application steps.
Is my money safe at TERMINALS?
TERMINALS 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. TERMINALS's net worth ratio of 37.04% 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.