Federal credit union · Parsippany, New Jersey · NCUA charter #21244
Union Building Trades
Health score 75/100 (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 - 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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)77
- Earnings (ROA)60
- Member growth43
- Liquidity (loan-to-share)70
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.91% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.91% | 30% |
| Delinquency Rate | 1.09% | 25% |
| Return on Assets | 0.10% | 15% |
| Member Growth | -1.44% | 15% |
| Loan-to-Share Ratio | 50.32% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Union Building Trades
24,584 members and $83.9M in total assets sit behind Union Building Trades, a federal credit union in Parsippany, New Jersey, which posts a health score of 75/100 (Very Good) on the five-factor composite, with $35.5M in outstanding loans as of Q4 2025 and a net worth ratio of 12.91% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #21244 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
1.09% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Deposit deployment is captured by the 50.32% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.10% on net income of $87K 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 -1.44%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match 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 Union Building Trades financially healthy?
A 12.91% 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. 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 12.91% 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.
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.