Federal credit union · Elizabeth, New Jersey · NCUA charter #15016
WAKEFERN
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $11.6M
- Total assets
- 1,226
- Members
- 24.4%
- Net-worth ratio
WAKEFERN scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.6M; members 1,226; net-worth ratio 24.36%; health rank #2,042 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,042 of 4,374 health · 2025Q4WAKEFERN · health 84/100 · $11.6M · 2025Q4
- DELQ 84/100
- ROA 24.4%
- ASSETS 0.17%
- MEM 1.43%
- RANK $11.6M
- PHOTO 1,226
- BOOK #2,042/4,374
- CHARTER Topeka Firemen's
- NCUSIF 15016
Call Report peers
WAKEFERN in the assets neighbourhood
WAKEFERN's $11.6M assets sit next to Topeka Firemen's ($11.5M) 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.
WAKEFERN 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
84 Top 50% higher than 50% 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
WAKEFERN - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #15016, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for WAKEFERN
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +9.50 pp (24.36% vs 14.86%).
- Loan-to-Share Ratio trails the peer set - 47.63% here, 59.80% peer average (-12.17 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
WAKEFERN in New Jersey
- In New Jersey, health place is #24 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #80 of 127 inside New Jersey ($11.6M reported).
- Membership ranks #79 of 127 among New Jersey CUs with a reported count (1,226 members).
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
WAKEFERN: 2025Q4 → 2026Q1
WAKEFERN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $11.6M (2025Q4) to $11.8M (2026Q1).
- Net-worth ratio shifted +0.08 pp (24.28% → 24.36%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 24.36%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.1 pts
- Loan-to-Share Ratio 9.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.36% | +9.50 pp |
| Delinquency Rate | 0.17% | -0.98 pp |
| Return on Assets | 1.43% | +0.72 pp |
| Member Growth | -2.70% | - |
| Loan-to-Share Ratio | 47.63% | -12.17 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.8M | - |
| 2025Q4 | $11.6M | 1,226 |
| 2024Q4 | $11.1M | 1,260 |
| 2023Q4 | $11.8M | 1,303 |
Credit Union Details
- Charter Number
- 15016
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Elizabeth
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, WAKEFERN runs one office.
| Office | City |
|---|---|
| Wakefern FCU (Main Office) | 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.
Cross-state Call Report peers for WAKEFERN
Cross-state asset and health neighbours for WAKEFERN - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- WAKEFERN ranks #2,042 of 4,374 nationally on financial health and #24 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jersey City Firemen is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jersey City Firemen
- 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 WAKEFERN financially healthy?
WAKEFERN scores 84/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,042 of 4,374; by total assets it ranks #3,480 of 4,374 nationally (same basis as /rankings/largest); and #80 of 127 within New Jersey. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 24.36% net worth ratio and a 0.17% delinquency rate.
How does WAKEFERN compare to other credit unions?
WAKEFERN scores 84/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 WAKEFERN?
WAKEFERN 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 WAKEFERN directly for the exact boundaries and application steps.
Is my money safe at WAKEFERN?
Federal credit unions like WAKEFERN 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. WAKEFERN's net worth ratio of 24.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WAKEFERN offer compared to banks?
Credit unions like WAKEFERN 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 WAKEFERN 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.