Federal credit union · Elizabeth, New Jersey · NCUA charter #14329
Union County Employees
Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $6.8M
- Total assets
- 1,016
- Members
- 19.6%
- Net-worth ratio
Union County Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #14329: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Union County Employees - 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)61
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)61
Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 19.61% 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 | 19.61% | 30% |
| Delinquency Rate | 1.64% | 25% |
| Return on Assets | 1.33% | 15% |
| Member Growth | -6.45% | 15% |
| Loan-to-Share Ratio | 34.60% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.8M | 1,016 |
| 2024Q4 | $7.0M | 1,086 |
| 2023Q4 | $7.7M | 1,145 |
Credit Union Details
- Charter Number
- 14329
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- Elizabeth
- Data Quarter
- 2025Q4
What This Data Says About Union County Employees
Headquartered in Elizabeth, New Jersey, Union County Employees is a federal credit union with 1,016 members, $6.8M in total assets, and $1.8M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 69/100 (Good), driven in part by a net worth ratio of 19.61% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #14329 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 34.60% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.64% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 1.33% on net income of $91K 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 -6.45%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
- ELIZABETH (N.J.) FIREMEN'SElizabeth, NJ · $2M–$10M62Health
- OCNAC #1jersey city, NJ · $2M–$10M56Health
- LINDEN NJ POLICE & FIREMENLINDEN, NJ · $2M–$10M68Health
- PASSAIC POLICEPASSAIC, NJ · $2M–$10M78Health
- SAKER SHOP RITEHOLMDEL, NJ · $2M–$10M60Health
Compare Union County Employees vs ELIZABETH (N.J.) FIREMEN'S
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 County Employees financially healthy?
Yes/no aside, the number is 69/100 (Good) - Union County Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 19.61% net worth ratio and 1.64% delinquency rate are the key drivers.
How does Union County Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Union County Employees's 69/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 County Employees?
Union County Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Union County Employees directly for the current list of qualifying groups.
Is my money safe at Union County Employees?
Federal credit unions like Union County Employees 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 County Employees's net worth ratio of 19.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Union County Employees offer compared to banks?
Credit unions like Union County Employees 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 County Employees 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.