State overview · Q4 2025
New Jersey Credit Unions
All 127 federally-insured credit unions in New Jersey, ranked by financial health, from NCUA 5300 Call Reports.
- 127
- Credit unions
- 946K
- Members
- $15.4B
- Combined assets
- 73/100
- Avg health
New Jersey has 127 federally insured credit unions averaging 73/100 health on NCUA 5300 Call Report aggregates. Combined assets $15.4B; 42 score Excellent (80+). State leader: Healthcare Employees at 98/100.
- Mean delinquency rank #45 of 52 (lower DQ better)
- Mean ROA rank #51 of 52
- Data vintage 2026-09-06
New Jersey vs all states by credit-union count
Where this state's federally insured CU count sits among every state and D.C. on PlainCU
127 9th of 54 higher than 44 of 54 states
States and D.C., banded by federally insured credit-union count
Each bar is a band; taller bars hold more states. 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 · Q4 2025
Health-score distribution
How New Jersey's 127 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.
New Jersey Call Report component averages
Mean NCUA 5300 ratios across 127 federally insured credit unions in New Jersey, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.
A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). New Jersey is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.
New Jersey vs. a national sample of states' credit-union sectors
All Credit Unions in New Jersey
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.
What This Data Says About Credit Unions in New Jersey
New Jersey is home to 127 federally-insured credit unions collectively serving 946K members with $15.4B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 73/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Healthcare Employees of PRINCETON currently leads the cohort with a health score of 98/100, while the full distribution spans 127 institutions ranked below.
The health distribution breaks into four bands: 42 credit unions score 80–100 (Excellent), 70 score 60–79 (Good), 15 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.
Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across New Jersey's 127 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.
Nationwide states with similar credit-union assets or inventory
Two NCUA Call Report peer sets for New Jersey: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.
Similar combined assets
Nearest states by total credit-union assets ($15.4B here).
Similar credit-union inventory
Nearest states by federally-insured credit-union count (127 here).
Frequently Asked Questions
How many credit unions are in New Jersey?
There are 127 federally-insured credit unions in New Jersey as of Q4 2025, with a combined 946K members and $15.4B in total assets. That places New Jersey at #35 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, New Jersey ranks #54 of 54. All data is sourced from the NCUA 5300 Call Report.
What is the healthiest credit union in New Jersey?
Based on NCUA Q4 2025 data, Healthcare Employees in PRINCETON ranks highest in New Jersey with a health score of 98/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.
Are credit unions safer than banks?
Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.
Using New Jersey's data
- Healthcare Employees in PRINCETON is the healthiest scored credit union in New Jersey at 98/100 -- look up its full composite before assuming it fits your situation. View full profile
- New Jersey's credit unions rank #45 of 52 nationally on delinquency rate (among the highest) and #51 of 52 on return on assets (among the weakest) -- both factor into the health score above, but they can move independently. National health rankings
- New Jersey ranks #54 of 54 by average health score and #35 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews
Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Read our methodology - how this data is sourced, computed, and verified.