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New Jersey Credit Union Performance
How the 127 credit unions based in New Jersey are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
New Jersey's 127 credit unions serve 946,334 members and hold $15.37B in combined assets. The median New Jersey credit union earned a 0.26% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among New Jersey credit unions was -1.81%, compared with -0.55% nationally. Median one-year asset growth was 0.17%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
New Jersey at a glance
New Jersey vs. the United States
System totals are the sum of every credit union based in New Jersey. The share column is New Jersey's portion of the national figure.
| Measure | New Jersey | United States | New Jersey share |
|---|---|---|---|
| Credit unions | 127 | 4,335 | 2.9% |
| Members | 946,334 | 147,031,529 | 0.6% |
| Residents (population) | 9,500,851 | 340,110,988 | 2.8% |
| Total assets | $15.37B | $2,507.50B | 0.6% |
| Total loans | $9.61B | $1,744.86B | 0.6% |
| Total shares & deposits | $13.29B | $2,143.21B | 0.6% |
| Total net worth | $1.65B | $282.23B | 0.6% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. New Jersey credit unions report about 10 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large New Jersey credit unions serve members in other states, so it overstates true in-state penetration.)
The median New Jersey credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median New Jersey CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.26% | 0.66% |
| Net worth ratio | 13.85% | 12.44% |
| Loan-to-share ratio | 49.07% | 67.86% |
| Delinquency ratio | 0.98% | 0.63% |
| Net charge-off ratio | 0.36% | 0.33% |
| Cost of funds | 0.75% | 1.05% |
| Member growth (1 yr) | -1.81% | -0.55% |
| Asset growth (1 yr) | 0.17% | 2.78% |
| Loan growth (1 yr) | -1.63% | 0.63% |
| Share growth (1 yr) | -0.80% | 2.36% |
| Net worth growth (1 yr) | 2.74% | 5.57% |
Trends over time
The median New Jersey credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.39% · 0.72%
— New Jersey ‑‑ U.S.
Net worth ratio 13.71% · 12.46%
— New Jersey ‑‑ U.S.
Loan-to-share ratio 51.28% · 69.70%
— New Jersey ‑‑ U.S.
Delinquency ratio 1.02% · 0.72%
— New Jersey ‑‑ U.S.
Asset growth (1 yr) 0.40% · 3.26%
— New Jersey ‑‑ U.S.
Member growth (1 yr) -1.46% · -0.52%
— New Jersey ‑‑ U.S.
New Jersey leaderboards
Largest by assets
- 1 Affinity Credit Union $4.40B
- 2 Merck Employees Credit Union $1.71B
- 3 Financial Resources Credit Union $634.2M
- 4 Proponent Credit Union $518.6M
- 5 Credit Union OF NEW Jersey, A $504.0M
- 6 Garden Savings Credit Union $494.8M
- 7 South Jersey Credit Union $472.6M
- 8 Picatinny Credit Union $454.4M
- 9 First Atlantic Credit Union $331.8M
- 10 United Teletech Financial Credit Union $329.8M
Highest return on assets
- 1 Credit Union OF NEW Jersey, A 3.57%
- 2 Healthcare Employees Credit Union 2.16%
- 3 Trenton Nj Police Credit Union 2.08%
- 4 Mercer County NJ Teachers Credit Union 1.99%
- 5 Deepwater Industries Credit Union 1.81%
- 6 First Atlantic Credit Union 1.67%
- 7 New Jersey Law and Public Safety Credit Union 1.53%
- 8 Rutgers Credit Union 1.38%
- 9 Irco Community Credit Union 1.18%
- 10 Raritan Bay Credit Union 0.97%
Fastest-growing (organic)
- 1 Members 1st of NJ Credit Union 52.68%
- 2 First Atlantic Credit Union 8.14%
- 3 Sea - Land Service Employees Credit Union 8.06%
- 4 Trenton Nj Police Credit Union 7.63%
- 5 South Jersey Credit Union 7.53%
- 6 United Poles Credit Union 7.07%
- 7 County Educators Credit Union 6.77%
- 8 Mercer County NJ Teachers Credit Union 6.69%
- 9 Self Reliance Credit Union 4.20%
- 10 Financial Resources Credit Union 4.18%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in New Jersey that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.