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Your deposits are protected by the National Credit Union Share Insurance Fund and are insured up to at least $250,000 per individual depositor.... Learn More

Important update to our ATM Network: Effective March 1, 2023, we no longer participate in the Allpoint ATM Network. You still have access to 30,000+ surcharge-free ATMs within the Co-op ATM Network.

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

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 January 2024
Assets Total
Total Loans $350,210,563
Less: Allowance for Loan Loss -$3,297,252
NET LOANS $346,913,311
1st Mortgages to be sold $0
Total Investments $53,576,266
TOTAL EARNING ASSETS $400,489,577
Total Cash $4,163,330
Total Fixed Assets $7,925,821
Total Other Assets $14,019,871
TOTAL NON-EARNING ASSETS $21,945,692
TOTAL ASSETS $426,598,600
Summary Balance Sheet (Liabilities and Equity) for branches as of January 2024
Liabilities Total
Total Shares $355,219,877
Notes Payable $38,350,086
Other Liabilities $4,166,348
TOTAL LIABILITIES $397,736,312
TOTAL EQUITY $28,862,288
TOTAL LIABILITIES AND EQUITY $426,598,600
Summary Income Sheet for branches as of January 2024
Costs and Income Current Month Quarter-to-Date Year-to-Date
INTEREST INCOME
Interest on Loans $1,800,067 $1,800,067 $1,800,067
Income from Investments $87,392 $87,392 $87,392
TOTAL INTEREST INCOME $1,887,460 $1,887,460 $1,887,460
INTEREST EXPENSE
Interest on Borrowed Money $167,309 $167,309 $167,309
Dividends $135,888 $135,888 $135,888
TOTAL INTEREST EXPENSE $303,197 $303,197 $303,197
NET INTEREST INCOME $1,584,262 $1,584,262 $1,584,262
Provision for Loan Losses $330,791 $330,791 $330,791
Provision for Negative Share Losses $21,583 $21,583 $21,583
TOTAL PROVISION EXPENSE $352,373 $352,373 $352,373
NON-INTEREST INCOME
Fee Income $441,523 $441,523 $441,523
Other Operating Income $203,659 $203,659 $203,659
TOTAL NON-INTEREST INCOME $645,181 $645,181 $645,181
NON-INTEREST EXPENSE
Employee Compensation & Benefits $761,058 $761,058 $761,058
Travel & Conference $15,551 $15,551 $15,551
Office Occupancy $70,033 $70,033 $70,033
Office Operations $118,100 $118,100 $118,100
Educational & Promotional $31,518 $31,518 $31,518
Loan Servicing $224,323 $224,323 $224,323
Professional & Outside Services $483,118 $483,118 $483,118
Member Insurance $4,255 $4,255 $4,255
Operating Fees $6,790 $6,790 $6,790
Miscellaneous $46,747 $46,747 $46,747
TOTAL NON-INTEREST EXPENSE $1,761,492 $1,761,492 $1,761,492
Net Non-Recurring Gain/(Loss) $729 $729 $729
NET INCOME $116,307 $116,307 $116,307
Download the 2022 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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