CU Explorer
Credit unions · New Jersey · Q2 2026

Jersey Central FCU

Credit union in Cranford, NJ · NCUA charter #2493 · Federal charter

Legal name: Jersey Central

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$24.9M
Total loans & leases$13.6M
Total shares & deposits$20.6M
Members4,062
Net worth$4.2M
Net worth / assets16.77%
Loans / assets54.66%
Return on assets (annualized)−0.30%
Loan growth (YoY)0.97%
Member growth (YoY)−2.94%
Delinquency, all loans (60+ days)3.30%
CharterFederal charter
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeService (finance, health, transport, utilities)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech mortgage lending, fintech P2P payments, online loan application, online loan payments, bill payment, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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