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.

We will be closed on Monday, October 13th in observance of Columbus Day and Indigenous Peoples' Day.

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 August 2025
Assets Total
Total Loans $388,729,908
Less: Allowance for Loan Loss -$2,909,912
NET LOANS $385,819,996
1st Mortgages to be sold $0
Total Investments $63,211,049
TOTAL EARNING ASSETS $449,031,045
Total Cash $3,740,585
Total Fixed Assets $7,593,676
Total Other Assets $14,615,834
TOTAL NON-EARNING ASSETS $25,950,095
TOTAL ASSETS $478,721,726
Summary Balance Sheet (Liabilities and Equity) for branches as of August 2025
Liabilities Total
Total Shares $413,987,338
Notes Payable $16,600,000
Other Liabilities $13,486,072
TOTAL LIABILITIES $444,073,410
TOTAL EQUITY $34,648,316
TOTAL LIABILITIES AND EQUITY $478,721,726
Summary Income Sheet for Branches as of August 2025
Current Month Quarter-to-Date Year-to-Date
INTEREST INCOME
Interest on Loans $2,103,055 $4,204,924 $16,615,097
Income from Investments $135,851 $260,306 $1,068,068
TOTAL INTEREST INCOME $2,238,907 $4,465,230 $17,683,164
INTEREST EXPENSE
Interest on Borrowed Money $62,855 $125,710 $550,288
Dividends $414,642 $818,657 $3,369,558
TOTAL INTEREST EXPENSE $477,497 $944,368 $3,919,846
NET INTEREST INCOME $1,761,409 $3,520,862 $13,763,318
Provision for Loan Losses $307,346 $463,793 $2,091,711
Provision for Negative Share Losses $19,743 $39,891 $130,474
TOTAL PROVISION EXPENSE $327,089 $503,685 $2,222,185
NON-INTEREST INCOME
Fee Income $440,108 $896,745 $3,446,475
Other Operating Income $266,625 $896,991 $2,495,078
TOTAL NON-INTEREST INCOME $706,733 $1,793,736 $5,941,553
NON-INTEREST EXPENSE
Employee Compensation & Benefits $741,411 $1,537,255 $6,013,421
Travel & Conference $5,662 $45,535 $169,087
Office Occupancy $72,695 $147,870 $594,890
Office Operations $129,934 $257,387 $975,745
Educational & Promotional $51,096 $84,612 $278,928
Loan Servicing $316,174 $616,783 $2,454,832
Professional & Outside Services $457,281 $957,957 $3,801,806
Member Insurance $4,024 $12,047 $38,457
Operating Fees $7,060 $14,120 $56,479
Miscellaneous $26,585 $24,890 $155,151
TOTAL NON-INTEREST EXPENSE $1,811,922 $3,698,455 $14,538,796
Net Non-Recurring Gain/(Loss) -$1,757 -$836 $63,846
NET INCOME $327,374 $1,111,622 $3,007,736
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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