The Lafayette Branch has now reopened.

We’re hiring! Check out a list of open positions here.

Be aware of phishing phone calls, text messages, or emails that may ask you to provide your Credit Union of New Jersey Online account information, or debit/credit card information such as number, expiration date, CVV and/or PIN. Please note that Omantel Mobile and Noon Minutes have been identified as being part of a phishing scam fraud alert. Stay vigilant as scammers may prompt you to call a fake customer service number or visit a "spoofed" website. Credit Union of New Jersey will never contact you to ask for this information, so if you suspect a scam involving your account, please contact us immediately. Learn more about fraud prevention and member security here.

Financial Information

We’re an open book. Literally.

We believe in full transparency when it comes to our financial information. Here are Credit Union of New Jersey’s most recent financials for you to review:

Summary Balance Sheet (Assets) for branches as of September 2025
Assets Total
Total Loans $391,919,357
Less: Allowance for Loan Loss -$3,077,794
NET LOANS $388,841,563
1st Mortgages to be sold $0
Total Investments $45,553,593
TOTAL EARNING ASSETS $434,395,156
Total Cash $5,322,767
Total Fixed Assets $7,817,336
Total Other Assets $22,439,713
TOTAL NON-EARNING ASSETS $35,579,816
TOTAL ASSETS $475,297,739
Summary Balance Sheet (Liabilities and Equity) for branches as of September 2025
Liabilities Total
Total Shares $411,929,906
Notes Payable $16,600,000
Other Liabilities $11,868,624
TOTAL LIABILITIES $440,398,530
TOTAL EQUITY $34,899,209
TOTAL LIABILITIES AND EQUITY $475,297,739
Summary Income Sheet for Branches as of September 2025
Current Month Quarter-to-Date Year-to-Date
INTEREST INCOME
Interest on Loans $2,095,192 $6,300,116 $18,710,289
Income from Investments $122,376 $382,682 $1,190,444
TOTAL INTEREST INCOME $2,217,568 $6,682,798 $19,900,732
INTEREST EXPENSE
Interest on Borrowed Money $61,849 $187,560 $612,137
Dividends $402,651 $1,221,308 $3,772,209
TOTAL INTEREST EXPENSE $464,500 $1,408,867 $4,384,346
NET INTEREST INCOME $1,753,068 $5,273,931 $15,516,386
Provision for Loan Losses $427,739 $891,533 $2,519,450
Provision for Negative Share Losses $35,956 $75,848 $166,430
TOTAL PROVISION EXPENSE $463,696 $967,381 $2,685,881
NON-INTEREST INCOME
Fee Income $469,599 $1,366,345 $3,916,074
Other Operating Income $241,831 $1,138,821 $2,736,909
TOTAL NON-INTEREST INCOME $711,430 $2,505,166 $6,652,983
NON-INTEREST EXPENSE
Employee Compensation & Benefits $790,641 $2,327,896 $6,804,063
Travel & Conference $16,121 $61,656 $185,208
Office Occupancy $79,072 $226,942 $673,962
Office Operations $133,621 $391,009 $1,109,366
Educational & Promotional $56,455 $141,067 $335,384
Loan Servicing $321,953 $938,735 $2,776,784
Professional & Outside Services $529,664 $1,487,621 $4,331,470
Member Insurance $4,024 $16,072 $42,481
Operating Fees $7,060 $21,180 $63,539
Miscellaneous $55,036 $79,926 $210,187
TOTAL NON-INTEREST EXPENSE $1,993,649 $5,692,104 $16,532,445
Net Non-Recurring Gain/(Loss) $0 -$836 $63,846
NET INCOME $7,153 $1,118,776 $3,014,889
Download the 2024 Annual Report

Enjoy the freedom to prosper. If you have questions about our Financials, feel free to give us a call at 609.538.4061 or 800.538.4061, email us at memberservices@cunj.org or stop by one of our convenient branch locations.

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