credit union · NCUA 23615 · NJ
How big is HEARD A.M.E.?
HEARD A.M.E. (NJ, NCUA charter 23615) reported total assets of $164.9k, 191 members and a net worth ratio of 9.38% in its Call Report for 2026Q2. That ranks 4282 of 4,299 federally insured credit unions by assets, 754 of 771 among credit unions under $10m in assets, 126 of 126 credit unions in new jersey.
What stands out
HEARD A.M.E. (NJ, NCUA charter 23615) reported total assets of $164.9k, 191 members and a net worth ratio of 9.38% in its Call Report for 2026Q2. That ranks 4282 of 4,299 federally insured credit unions by assets, 754 of 771 among credit unions under $10m in assets, 126 of 126 credit unions in new jersey. Against its size class: net worth ratio 9.38%, below the peer median of 17.92%; loan-to-share ratio 28.90%, below the peer median of 58.16%; return on assets 1.79%, above the peer median of 0.45%. At 9.38% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $164.9k | $4.0M | $21.8M | $68.3M | record → |
| Shares and deposits | $149.0k | $3.1M | $18.8M | $58.3M | record → |
| Loans outstanding | $43.1k | $1.7M | $7.5M | $34.4M | record → |
| Net income (year to date) | $1.5k | $5.3k | $34.4k | $222.2k | record → |
| Net worth | $15.5k | $672.6k | $3.2M | $9.0M | record → |
| Net worth ratio | 9.38% | 17.92% | 13.81% | 12.65% | record → |
| Loan-to-share ratio | 28.90% | 58.16% | 50.89% | 68.70% | computed |
| Return on assets | 1.79% | 0.45% | 0.39% | 0.71% | computed |
| Members | 191 | 584 | 1,796 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $164.9k | $149.0k | $43.1k | $1.5k | 9.38% | 191 | 4282 |
| 2026Q1 | $174.2k | $158.1k | $45.3k | $1.1k | 8.44% | 189 | 4314 |
| 2025Q4 | $176.1k | $160.8k | $51.7k | $3.7k | 7.94% | 167 | 4351 |
| 2025Q3 | $193.9k | $180.0k | $57.2k | $2.4k | 6.62% | 186 | 4394 |
| 2025Q2 | $196.1k | $184.5k | $49.7k | $550 | 5.50% | 190 | 4435 |
| 2025Q1 | $201.6k | $191.0k | $37.9k | $-472 | 5.08% | 183 | 4479 |
| 2024Q4 | $193.8k | $182.2k | $26.9k | $-5.5k | 5.29% | 182 | 4526 |
| 2024Q3 | $194.5k | $183.1k | $17.0k | $-6.4k | 8.56% | 162 | 4569 |
| 2024Q2 | $196.7k | $185.2k | $13.0k | $-4.7k | 8.47% | 170 | 4603 |
| 2024Q1 | $193.9k | $180.8k | $17.1k | $-4.1k | 8.59% | 188 | 4644 |
| 2023Q4 | $201.3k | $183.4k | $24.8k | $-1.8k | 8.28% | 188 | 4674 |
| 2023Q3 | $194.3k | $176.4k | $31.5k | $-2.2k | 7.84% | 189 | 4717 |
| 2023Q2 | $201.6k | $182.6k | $32.7k | $-1.3k | 8.79% | 209 | 4758 |
| 2023Q1 | $169.6k | $153.4k | $39.7k | $393 | 8.97% | 164 | 4790 |
| 2022Q4 | $179.1k | $163.6k | $45.1k | $-3.6k | 8.50% | 168 | 4837 |
| 2022Q3 | $188.8k | $172.4k | $42.1k | $-3.9k | 9.99% | 220 | 4891 |
| 2022Q2 | $203.2k | $186.0k | $40.4k | $-2.7k | 9.28% | 173 | 4927 |
| 2022Q1 | $231.1k | $212.8k | $27.3k | $-1.2k | 8.16% | 175 | 4968 |
| 2021Q4 | $283.1k | $263.9k | $28.5k | $-7.1k | 6.66% | 206 | 4995 |
| 2021Q3 | $194.7k | $173.4k | $28.0k | $-5.9k | 10.31% | 205 | 5062 |
| 2021Q2 | $195.6k | $175.3k | $29.9k | $-6.5k | 9.94% | 218 | 5103 |
| 2021Q1 | $202.9k | $177.3k | $42.1k | $-869 | 12.34% | 217 | 5138 |
| 2020Q4 | $198.1k | $171.9k | $51.9k | $-804 | 13.08% | 172 | 5173 |
| 2020Q3 | $203.2k | $175.6k | $57.5k | $5.2k | 13.01% | 213 | 5205 |
| 2020Q2 | $195.3k | $168.0k | $54.6k | $-212 | 13.57% | 219 | 5236 |
| 2020Q1 | $188.9k | $162.1k | $61.7k | $-381 | 13.94% | 168 | 5269 |
| 2019Q4 | $206.3k | $179.5k | $68.0k | $2.0k | 12.95% | 226 | 5301 |
| 2019Q3 | $197.9k | $170.3k | $67.1k | $1.8k | 13.38% | 219 | 5348 |
| 2019Q2 | $211.4k | $185.1k | $63.0k | $771 | 12.03% | 222 | 5374 |
| 2019Q1 | $211.4k | $185.7k | $70.4k | $498 | 11.90% | 223 | 5401 |
| 2018Q4 | $202.0k | $177.0k | $73.1k | $1.4k | 12.21% | 223 | 5445 |
| 2018Q3 | $205.9k | $180.4k | $69.5k | $1.1k | 11.82% | 235 | 5500 |
| 2018Q2 | $224.7k | $199.9k | $63.6k | $816 | 10.72% | 173 | 5537 |
| 2018Q1 | $213.0k | $189.2k | $57.3k | $26 | 10.94% | 171 | 5591 |
| 2017Q4 | $207.6k | $184.1k | $55.4k | $332 | 11.21% | 217 | 5628 |
| 2017Q3 | $206.3k | $183.0k | $53.8k | $-249 | 10.76% | 214 | 5697 |
| 2017Q2 | $231.1k | $208.3k | $45.2k | $-382 | 9.54% | 221 | 5744 |
| 2017Q1 | $215.3k | $192.2k | $43.2k | $126 | 10.48% | 223 | 5791 |
| 2016Q4 | $207.5k | $184.9k | $49.0k | $1.1k | 10.82% | 225 | 5844 |
| 2016Q3 | $218.2k | $194.2k | $46.3k | $1.1k | 10.40% | 238 | 5895 |
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