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Lafayette Street ATM: Due to building construction the ATM located at 12 E. Lafayette St. will not be available until further notice. Please visit AllpointNetwork.com for the closest surcharge-free ATM. We apologize for the inconvenience.

Your funds deposited with Credit Union of New Jersey are safe, secure and insured.

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 November 2021
Assets Total
Total Loans $295,594,326
Less: Allowance for Loan Loss -$3,155,333
NET LOANS $292,438,992
1st Mortgages to be sold $140,000
Total Investments $99,540,823
TOTAL EARNING ASSETS $392,119,815
Total Cash $3,563,129
Total Fixed Assets $6,519,767
Total Other Assets $14,889,781
TOTAL NON-EARNING ASSETS $21,409,549
TOTAL ASSETS $417,092,492
Summary Balance Sheet (Liabilities and Equity) for branches as of November 2021
Liabilities Total
Total Shares $383,941,210
Notes Payable $0
Other Liabilities $3,033,815
TOTAL LIABILITIES $386,975,025
TOTAL EQUITY $30,117,468
TOTAL LIABILITIES AND EQUITY $417,092,492
Summary Income Sheet for branches as of November 2021
Costs and Income Current Month Quarter-to-Date Year-to-Date
INTEREST INCOME
Interest on Loans $1,112,031 $2,250,664 $12,326,105
Income from Investments $42,384 $82,667 $419,153
TOTAL INTEREST INCOME $1,154,415 $2,333,332 $12,745,258
INTEREST EXPENSE
Interest on Borrowed Money $1 $1 $1
Dividends $37,721 $77,297 $451,904
TOTAL INTEREST EXPENSE $37,722 $77,298 $451,905
NET INTEREST INCOME $1,116,693 $2,256,034 $12,293,353
Provision for Loan Losses $0 $0 $0
Provision for Negative Share Losses $53,473 $97,587 $291,216
TOTAL PROVISION EXPENSE $53,473 $97,587 $431,216
NON-INTEREST INCOME
Fee Income $411,289 $829,629 $4,409,227
Other Operating Income $263,307 $501,093 $4,128,747
TOTAL NON-INTEREST INCOME $674,596 $1,330,722 $8,537,975
NON-INTEREST EXPENSE
Employee Compensation & Benefits $666,327 $1,227,601 $6,803,126
Travel & Conference $20,383 $35,950 $135,990
Office Occupancy $53,425 $105,315 $630,609
Office Operations $107,305 $225,590 $1,149,066
Educational & Promotional $42,054 $84,504 $357,354
Loan Servicing $255,975 $520,421 $2,930,147
Professional & Outside Services $436,028 $855,635 $4,672,446
Member Insurance $3,360 $6,720 $35,155
Operating Fees $7,600 $15,200 $42,619
Miscellaneous $32,034 $69,549 $338,544
TOTAL NON-INTEREST EXPENSE $1,624,490 $3,146,484 $17,095,056
Net Non-Recurring Gain/(Loss) $815 $16,059 $1,065,685
NET INCOME $114,141 $358,744 $4,370,740
Download the 2020 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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