Waldwick, New Jersey · Peer group 3
N.J.T. Employees Credit Union
N.J.T. Employees Credit Union holds $38.7M in assets across 2,517 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 1954. Charter number 9723, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $38.7M |
|---|---|
| Total loans | $7.1M |
| Total shares (deposits) | $33.9M |
| Net worth | $4.4M |
| Members | 2,517 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 6.7% | |
|---|---|---|
| Loans | -8.5% | around the 24th percentile of its peer group |
| Deposits | 7.0% | around the 84th percentile of its peer group |
| Members | 0.6% | around the 73rd 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 | 20.8% | lower than 97% of its peer group |
|---|---|---|
| Net worth ratio | 11.4% | around the 31st percentile of its peer group |
| Return on assets | 0.15% | around the 24th percentile of its peer group |
| Delinquency ratio | 0.94% | around the 66th percentile of its peer group |
| Cash / assets | 21.2% | around the 86th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is N.J.T. Employees 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.
- Lakehurst Naval Credit Union
Joint Base MDL, NJ
$39.6M · 1,821 members
- Garden State Credit Union
MOORESTOWN, NJ
$37.0M · 3,217 members
- Public Service Credit Union
Middlesex, NJ
$40.7M · 3,926 members
- Postal Employees Credit Union
YARDVILLE, NJ
$36.7M · 1,797 members
- Community Financial Services Credit Union
ROSELLE, NJ
$31.7M · 2,718 members
- H. E. Telephone Credit Union
Rochelle Park, NJ
$46.1M · 2,660 members
CUSignals is independent and is not affiliated with, endorsed by, or acting for N.J.T. Employees Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.