Federal credit union · TRENTON, New Jersey · NCUA charter #2932
Trenton Teachers
Health score 57/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $2.1M
- Total assets
- 402
- Members
- 18.1%
- Net-worth ratio
Trenton Teachers scores 57/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.1M; members 402; net-worth ratio 18.07%; health rank #4,134 of 4,374; healthier than 5th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,134 of 4,374 health · 2025Q4Trenton Teachers · health 57/100 · $2.1M · 2025Q4
- CAMELS 57/100
- HEALTH 18.1%
- NW 3.88%
- DELQ 2.33%
- ROA $2.1M
- ASSETS 402
- MEM #4,134/4,374
- RANK n/a
- PHOTO 2932
Call Report peers
Trenton Teachers carries $2.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Trenton Teachers vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
57 5th percentile higher than 5% 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
Trenton Teachers - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #2932. See our deposit-insurance coverage note.
Trenton Teachers: Call Report deltas vs peers
- Return on Assets leads the peer set - 2.33% here, 0.45% peer average (+1.88 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -47.51 pp (16.09% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Trenton Teachers: in-state Call Report ranks
- In New Jersey, health place is #114 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, Trenton Teachers is #116 of 127 in New Jersey.
- Member book place in New Jersey: #114 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Trenton Teachers: 2025Q4 → 2026Q1
Trenton Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +10.4% from $2.1M (2025Q4) to $2.4M (2026Q1).
- Net-worth ratio shifted -1.43 pp (19.50% → 18.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
18.07% 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
Each segment is a pillar's weighted contribution to the composite; widths sum to 57.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.8 pts
- Return on Assets 15.0 pts
- Member Growth 3.8 pts
- Loan-to-Share Ratio 7.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.07% | -0.99 pp |
| Delinquency Rate | 3.88% | +2.07 pp |
| Return on Assets | 2.33% | +1.88 pp |
| Member Growth | -2.90% | - |
| Loan-to-Share Ratio | 16.09% | -47.51 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Trenton Teachers filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.4M | - |
| 2025Q4 | $2.1M | 402 |
| 2024Q4 | $2.1M | 414 |
| 2023Q4 | $2.1M | 437 |
Credit Union Details
- Charter Number
- 2932
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- TRENTON
- Data Quarter
- 2025Q4
Branch Location
Trenton Teachers operates a single office in Trenton, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | Trenton, 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 Trenton Teachers
Two NCUA Call Report peer sets for Trenton Teachers, both outside New Jersey so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (57/100 here).
Using this data
- Trenton Teachers ranks #4,134 of 4,374 nationally on financial health and #114 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Clifton Nj Postal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Clifton Nj Postal Employees
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Trenton Teachers financially healthy?
Trenton Teachers has a financial health score of 57/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,134 of 4,374; by total assets it ranks #4,115 of 4,374 nationally (same basis as /rankings/largest); and #116 of 127 within New Jersey. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.07% and delinquency rate of 3.88%.
How does Trenton Teachers compare to other credit unions?
On PlainCU's health composite, Trenton Teachers lands at 57/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Trenton Teachers?
Trenton Teachers 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 Trenton Teachers directly to confirm eligibility.
Is my money safe at Trenton Teachers?
Federal credit unions like Trenton Teachers 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. Trenton Teachers's net worth ratio of 18.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Trenton Teachers offer compared to banks?
Credit unions like Trenton Teachers 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 Trenton Teachers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.