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
Call Report peers
WAKEFERN in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); WAKEFERN sits in 80-84 with 767 others.
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
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).
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).
- One place up in New Jersey, PICATINNY (#23) scores 85/100, 1 point higher; one place down, Goya Foods Employees (#25) ties at 84/100.
WAKEFERN: 2025Q4 → 2026Q1
WAKEFERN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $11.6M (2025Q4) to $11.8M (2026Q1).
- Net-worth ratio shifted +0.08 pp (24.28% → 24.36%).
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
WAKEFERN gives up 16 points in total. Member Growth costs the most, 10.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is WAKEFERN financially healthy?
WAKEFERN has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,042 of 4,374 nationally on health and #24 of 127 in New Jersey. Its net worth ratio is 24.36% and its delinquency rate 0.17%.
How does WAKEFERN compare to other credit unions?
WAKEFERN scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (24.36% vs 14.86%). Its widest shortfall is loan-to-share ratio (47.63% vs 59.80%).
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?
WAKEFERN 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. WAKEFERN's net worth ratio of 24.36% 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.