Federal credit union · Elizabeth, New Jersey · NCUA charter #14329
Union County Employees
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $6.8M
- Total assets
- 1,016
- Members
- 22.8%
- Net-worth ratio
Union County Employees scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.8M; members 1,016; net-worth ratio 22.77%; health rank #3,631 of 4,374; healthier than 16th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,631 of 4,374 health · 2025Q4Union County Employees · health 69/100 · $6.8M · 2025Q4
Call Report peers
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Union County Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Union County Employees sits in 65-69 with 275 others.
69 16th percentile higher than 16% 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 County Employees vs $2M–$10M peers
- Net Worth Ratio leads the peer set - 22.77% here, 19.06% peer average (+3.71 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -29.00 pp (34.60% vs 63.60%).
Where Union County Employees sits in New Jersey
- In New Jersey, health place is #81 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #99 of 127 inside New Jersey ($6.8M reported).
- Member book place in New Jersey: #86 of 127.
- One place up in New Jersey, Hmc (Nj) (#80) scores 70/100, 1 point higher; one place down, Ocean County Employees (#82) ties at 69/100.
Union County Employees Call Report trajectory
Union County Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $6.8M (2025Q4) to $6.8M (2026Q1).
- Net-worth ratio shifted +0.31 pp (22.46% → 22.77%).
This credit union's 22.77% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 69/100 score is built
Union County Employees gives up 31 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.2 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.8 pts
Union County Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.77% | +3.71 pp |
| Delinquency Rate | 1.64% | -0.17 pp |
| Return on Assets | 1.33% | +0.88 pp |
| Member Growth | -6.45% | - |
| Loan-to-Share Ratio | 34.60% | -29.00 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Union County Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.8M | - |
| 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
Branch Locations (3)
Union County Employees operates 3 offices in Elizabeth, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Union County Employees FCU (Main Office) | Elizabeth, NJ |
| Union County Employees - Main Office | Elizabeth, NJ |
| UC Employees FCU | Elizabeth, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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
Union County Employees nationwide neighbourhoods
Similar health score
Using this data
- Union County Employees ranks #3,631 of 4,374 nationally on financial health and #81 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Elizabeth (N.J.) Firemen's is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Elizabeth (N.J.) Firemen's
Frequently Asked Questions
Is Union County Employees financially healthy?
Union County Employees has a financial health score of 69/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,631 of 4,374 nationally on health and #81 of 127 in New Jersey. Its net worth ratio is 22.77% and its delinquency rate 1.64%.
How does Union County Employees compare to other credit unions?
Union County Employees scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (22.77% vs 19.06%). Its widest shortfall is loan-to-share ratio (34.60% vs 63.60%).
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?
Union County Employees 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 County Employees's net worth ratio of 22.77% 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.