Woodbridge, New Jersey · Peer group 4
Central Jersey Credit Union
Central Jersey Credit Union holds $94.4M in assets across 5,939 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1936. Charter number 1108, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $94.4M |
|---|---|
| Total loans | $43.6M |
| Total shares (deposits) | $83.4M |
| Net worth | $9.7M |
| Members | 5,939 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.4% | |
|---|---|---|
| Loans | 0.9% | around the 57th percentile of its peer group |
| Deposits | -2.5% | around the 16th percentile of its peer group |
| Members | -4.6% | around the 16th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 52.3% | around the 34th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.3% | around the 24th percentile of its peer group |
| Return on assets | 0.64% | around the 46th percentile of its peer group |
| Delinquency ratio | 0.73% | around the 57th percentile of its peer group |
| Cash / assets | 13.4% | around the 68th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Central Jersey Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New Jersey — the comparison set a peer ratio is measured against.
- Irco Community Credit Union
Phillipsburg, NJ
$94.6M · 6,246 members
- Bay Atlantic Credit Union
VINELAND, NJ
$95.5M · 9,139 members
- Ridgedale Credit Union
East Hanover, NJ
$100.5M · 3,703 members
- B-M S Credit Union
New Brunswick, NJ
$86.1M · 3,591 members
- Union Building Trades Credit Union
Parsippany, NJ
$84.2M · 24,437 members
- Raritan Bay Credit Union
Sayreville, NJ
$107.1M · 7,432 members
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