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
Call Report peers
Union Building Trades in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Union Building Trades sits in 75-79 with 502 others.
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: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 50.32% vs peer 62.60% (-12.28 pp).
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.
- One place up in New Jersey, County Excellence (#57) scores 76/100, 1 point higher; one place down, West Hudson Teachers (#59) ties at 75/100.
How Union Building Trades's 5300 filing moved
Union Building Trades: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $83.9M (2025Q4) to $84.2M (2026Q1).
- Net-worth ratio shifted -0.10 pp (12.96% → 12.86%).
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
Union Building Trades gives up 25 points in total. Member Growth costs the most, 8.6 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Union Building Trades financially healthy?
Union Building Trades has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,267 of 4,374 nationally on health and #58 of 127 in New Jersey. Its net worth ratio is 12.86% and its delinquency rate 1.09%.
How does Union Building Trades compare to other credit unions?
Union Building Trades scores 75/100, higher than 24% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (50.32% vs 62.60%).
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?
Union Building Trades 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. Union Building Trades's net worth ratio of 12.86% 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.