Federal credit union · Parsippany, New Jersey · NCUA charter #21244
Union Building Trades
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $83.9M
- Total assets
- 24,584
- Members
- 12.9%
- Net-worth ratio
Union Building Trades scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $83.9M; members 24,584; net-worth ratio 12.86%; health rank #3,267 of 4,374; healthier than 24th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,267 of 4,374 health · 2025Q4Union Building Trades · health 75/100 · $83.9M · 2025Q4
- NW 75/100
- DELQ 12.9%
- ROA 1.09%
- ASSETS 0.10%
- MEM $83.9M
- RANK 24,584
- PHOTO #3,267/4,374
- BOOK Susquehanna Valley
- CHARTER 21244
Call Report peers
Union Building Trades in the assets neighbourhood
Union Building Trades's $83.9M assets sit next to Susquehanna Valley ($83.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Union Building Trades 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
75 24th percentile higher than 24% 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
Union Building Trades - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #21244. See our deposit-insurance coverage note.
Union Building Trades: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 50.32% vs peer 62.60% (-12.28 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Union Building Trades sits in New Jersey
- New Jersey health ordinal: #58 of 127.
- By total assets, Union Building Trades is #34 of 127 in New Jersey.
- New Jersey membership ordinal: #8 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.
How Union Building Trades's 5300 filing moved
Union Building Trades: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $83.9M (2025Q4) to $84.2M (2026Q1).
- Net-worth ratio shifted -0.10 pp (12.96% → 12.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.86% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.3 pts
- Return on Assets 9.1 pts
- Member Growth 6.4 pts
- Loan-to-Share Ratio 10.2 pts
Union Building Trades vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.86% | -0.76 pp |
| Delinquency Rate | 1.09% | +0.13 pp |
| Return on Assets | 0.10% | -0.55 pp |
| Member Growth | -1.44% | - |
| Loan-to-Share Ratio | 50.32% | -12.28 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Union Building Trades quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $84.2M | - |
| 2025Q4 | $83.9M | 24,584 |
| 2024Q4 | $83.5M | 24,943 |
| 2023Q4 | $87.7M | 25,942 |
Credit Union Details
- Charter Number
- 21244
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New Jersey
- City
- Parsippany
- Data Quarter
- 2025Q4
Branch Location
Union Building Trades operates a single office in Parsippany, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Union Building Trades Federal Credit Union (Main Office) | Parsippany, 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.
Union Building Trades nationwide neighbourhoods
Union Building Trades's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($83.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- Union Building Trades ranks #3,267 of 4,374 nationally on financial health and #58 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RUTGERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RUTGERS
- 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 Union Building Trades financially healthy?
A 12.86% net worth ratio and a 1.09% delinquency rate feed into Union Building Trades's financial health score of 75/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,267 of 4,374; by total assets it ranks #1,977 of 4,374 nationally (same basis as /rankings/largest); and #34 of 127 within New Jersey. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Union Building Trades compare to other credit unions?
Union Building Trades scores 75/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Union Building Trades?
Union Building Trades 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 Union Building Trades directly for the exact boundaries and application steps.
Is my money safe at Union Building Trades?
Federal credit unions like Union Building Trades 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. Union Building Trades's net worth ratio of 12.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Union Building Trades offer compared to banks?
Credit unions like Union Building Trades 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 Union Building Trades 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.