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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 June 2025
Assets Total
Total Loans $386,011,323
Less: Allowance for Loan Loss -$3,001,879
NET LOANS $383,009,444
1st Mortgages to be sold $0
Total Investments $52,558,853
TOTAL EARNING ASSETS $435,568,297
Total Cash $3,401,941
Total Fixed Assets $7,578,141
Total Other Assets $23,340,087
TOTAL NON-EARNING ASSETS $34,320,170
TOTAL ASSETS $473,290,409
Summary Balance Sheet (Liabilities and Equity) for branches as of June 2025
Liabilities Total
Total Shares $413,083,880
Notes Payable $16,600,000
Other Liabilities $10,395,122
TOTAL LIABILITIES $440,079,002
TOTAL EQUITY $33,211,406
TOTAL LIABILITIES AND EQUITY $473,290,409
Summary Income Sheet for branches as of June 2025
Costs and Income Current Month Quarter-to-Date Year-to-Date
INTEREST INCOME
Interest on Loans $2,051,129 $6,189,542 $12,410,173
Income from Investments $135,547 $440,998 $807,761
TOTAL INTEREST INCOME $2,186,676 $6,630,540 $13,217,934
INTEREST EXPENSE
Interest on Borrowed Money $61,849 $186,553 $424,578
Dividends $415,999 $1,292,840 $2,550,901
TOTAL INTEREST EXPENSE $477,848 $1,479,394 $2,975,479
NET INTEREST INCOME $1,708,828 $5,151,147 $10,242,455
Provision for Loan Losses $457,371 $840,784 $1,627,917
Provision for Negative Share Losses $20,826 $31,829 $90,583
TOTAL PROVISION EXPENSE $478,196 $872,613 $1,718,500
NON-INTEREST INCOME
Fee Income $420,641 $1,263,123 $2,549,730
Other Operating Income $243,360 $754,001 $1,598,087
TOTAL NON-INTEREST INCOME $664,002 $2,017,123 $4,147,817
NON-INTEREST EXPENSE
Employee Compensation & Benefits $722,838 $2,246,462 $4,476,167
Travel & Conference $26,263 $75,934 $123,552
Office Occupancy $82,657 $226,792 $447,020
Office Operations $114,753 $355,335 $718,357
Educational & Promotional $33,941 $99,202 $194,316
Loan Servicing $324,068 $930,354 $1,838,049
Professional & Outside Services $459,420 $1,436,178 $2,843,849
Member Insurance $4,024 $13,442 $26,410
Operating Fees $7,060 $20,863 $42,359
Miscellaneous $8,063 -$9,406 $130,262
TOTAL NON-INTEREST EXPENSE $1,783,087 $5,395,157 $10,840,341
Net Non-Recurring Gain/(Loss) $0 -$8,069 $64,682
NET INCOME $111,546 $892,431 $1,896,114
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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