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Credit union call report ยท Monmouth Junction, NJ

NJ Gateway Federal Credit Union Call Report

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NJ Gateway Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 247 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

NJ Gateway Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number19454
Federal Reserve RSSD ID879886

The official copy: search charter number 19454 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

NJ Gateway Federal Credit Union call report, Q2 2026

Statement of Financial Condition (31 items)
NJ Gateway Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $84K
1b. Cash Items in Process of Collection AS0005 -$15K
1c. Total Cash on Hand 730A $69K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $1.4M
2c. Cash on Deposit in Other Financial Institutions 730B2 -$699K
2. Cash on Deposit (total) 730B $694K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $763K
9. Held-to-Maturity Debt Securities AS0073 $22.2M
11. TOTAL INVESTMENT SECURITIES AS0013 $22.2M
12b. Perpetual Contributed Capital 769B $37K
13. TOTAL OTHER INVESTMENTS AS0017 $37K
15a. Number of Total Loans and Leases 025A 449
15b. Total Loans and Leases 025B $4.1M
17. ACL on Loans and Leases AS0048 $61K
19. Land and Building 007 $180K
20. Other Fixed Assets 008 $12K
21. NCUA Share Insurance Capitalization Deposit 794 $240K
22d. Accrued Interest on Loans 009A $10K
22e. Accrued Interest on Investments 009B $202K
22f. All Other Assets 009C $51K
22g. Total Other Assets AS0036 $263K
23. TOTAL ASSETS 010 $27.7M
Accounts Payable and Other Liabilities 825 $136K
Accrued Dividends and Interest Payable 820A $38K
Member Shares of All Types 013 $24.8M
Total Shares and Deposits 018 $24.8M
Undivided Earnings 940 $2.1M
Other Reserves 658 $701K
Total Net Worth 997 $2.8M
Net Worth Ratio 998 10.00%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $27.7M
Statement of Income and Expense (23 items)
NJ Gateway Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $118K
3. Income from Investments 120 $413K
5. TOTAL INTEREST INCOME 115 $531K
6. Dividends on Shares 380 $52K
8. Interest on Borrowed Money 340 $24
9. TOTAL INTEREST EXPENSE 350 $52K
10. NET INTEREST INCOME IS0010 $478K
12a. Credit Loss Expense - Loans and Leases IS0011 $4K
12e. Total Credit Loss Expense IS0017 $4K
13. Fee Income 131 $12K
14. Other Operating Income IS0020 $28K
23. TOTAL NON-INTEREST INCOME 117 $40K
24. Employee Compensation and Benefits 210 $233K
25. Travel and Conference 230 $2K
26. Office Occupancy 250 $33K
27. Office Operations 260 $125K
28. Educational and Promotional 270 $1K
29. Loan Servicing 280 $18K
30. Professional and Outside Services 290 $7K
32. Operating Fees 320 $2K
33. Miscellaneous Operating Expense 360 $8K
34. TOTAL NON-INTEREST EXPENSE 671 $429K
35. NET INCOME 661A $85K
Statement pages - all other filed accounts (21 items)

delinquency (21%), credit cards (21%)

NJ Gateway Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $19K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $19K
Loans Granted Year-to-Date 031A $121
Amount of Loans Granted Year-to-Date 031B $927K
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $516
Number of current members (not number of accounts) 083 2,318
Number of potential members 084 809,858
Interest Rate of Unsecured Credit Card Loans 521 1,380.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,099.00%
Interest Rate of New Vehicle Loans 523 575.00%
Interest Rate of Used Vehicle Loans 524 650.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $2K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $2K
Total Amount of All Other Shares 630 $5K
Amount of Regular Shares 657 $9.9M
Amount of Share Drafts 902 $7.7M
IRA/KEOGH Accounts - < 1 Year 906A $279K
Share Certificates - < 1 Year 908A $2.5M
Total Amount of Share Certificates 908C $2.6M
Total Amount of Money Market Shares 911 $4.1M
Number of Used Vehicle Loans 968 107
NCUA form-section FS220A (24 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

NJ Gateway Federal Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $24.5M
Total Shares - 1-3 Years 013B1 $273K
Total Shares - > 3 Years 013B2 $7K
Total Shares and Deposits - < 1 Year 018A $24.5M
Total Shares and Deposits - 1-3 Years 018B1 $273K
Total Shares and Deposits - > 3 Years 018B2 $7K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 1
Effective date of last audit 063 $32K
Amount of Used Vehicle Loans 370 $1.0M
Amount of New Vehicle Loans 385 $249K
Amount of Unsecured Credit Card Loans 396 $366K
Amount of All Other Unsecured Loans/Lines of Credit 397 $213K
Share Certificates 451 $42
Number of Accounts for Share Drafts 452 890
IRA/KEOGH Accounts 453 $53
Number of Accounts for Regular Shares 454 2,497
All other shares 455 $4
Money Market Shares 458 $138
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 3,624
Number of credit union employees who are Full-Time (26 hours or more) 564A 4
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 2
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $20K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,682.00%
Total credit lines 881 $1.9M
NCUA form-section FS220B (23 items)

maturity and repricing buckets (40%), credit cards (17%)

NJ Gateway Federal Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Number - Total Delinquent Credit Card Loans 045A 1
Total Amount of Delinquent Unsecured Credit Card Loans 045B $516
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $937K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $937K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $23.8M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
All other shares - < 1 Year 630A $5K
Amount of Regular Shares - < 1 Year 657A $9.9M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $2K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $63
Fair value of Held to Maturity Securities 801 $21.8M
Amount of Share Drafts - < 1 Year 902A $7.7M
IRA/KEOGH Accounts - 1-3 Years 906B1 $144K
IRA/KEOGH Accounts - > 3 Years 906B2 $7K
Total Amount of IRA/KEOGH Accounts 906C $429K
Share Certificates - 1-3 Years 908B1 $130K
Money Market Shares - < 1 Year 911A $4.1M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $918K
Number of New Vehicle Loans 958 14
Total Shares 966 $4K
Number of Unsecured Credit Card Loans 993 243
Number of All Other Unsecured Loans/Lines of Credit 994 51
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 10
NCUA form-section FS220C (6 items)

charge-offs and recoveries (27%), participation loans (18%)

NJ Gateway Federal Credit Union, NCUA form-section FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Total Amount of All Participation Loans Charged Off Year-to-Date 550F $6
Total Amount of All Year-to-Date Recoveries on Charged-Off Participation Loans 551F $2K
Number of credit union branches (include the main office if member services are conducted at that location) 566 1
Amount of Participation Loans Purchased Year-to-Date 690 $631K
Outstanding balance of brokered certificates of deposit and share certificates 788 $4.4M
NCUA form-section FS220D (20 items)

member services and products offered (69%), CUSO relationships (27%)

NJ Gateway Federal Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Education 879B2 $1
No Cost Bill Payer 879C2 $1
Mortgage Processing 879G $1
Brokered Certificates of Deposits 879N $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Offer Custodial Accounts PP0032 $1
Offer Non-Custodial Accounts PP0033 $1
CU offer Shared service network PP0058 $1
NCUA form-section FS220G (2 items)

loans and leases (32%), participation loans (18%)

NJ Gateway Federal Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $601K
Total Credit Lines at Corporate Credit Unions 884 $1.9M
NCUA form-section FS220H (3 items)

student loans (43%), delinquency (27%)

NJ Gateway Federal Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Non-Federally Guaranteed Student Loans YTD Charge Offs 550T $6
Non-Federally Guaranteed Student Loans YTD Recoveries 551T $2K
Total Unfunded Commitments for all loan types 816A $2.8M
NCUA form-section FS220I (2 items)

vehicle lending (59%), delinquency (44%)

NJ Gateway Federal Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans YTD Recoveries 551C2 $5
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $4K
NCUA form-section FS220L (8 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

NJ Gateway Federal Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $449
Total Amount of Loans & Leases on Loan Schedule 025B1 $4.1M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $1.0M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 675.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 750.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 925.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $7K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $1.2M
NCUA form-section FS220M (7 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

NJ Gateway Federal Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $1.3M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $1.1M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $353K
Total Unfunded Commitments for Non-Commercial Loans 816T $2.8M
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 16
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 16
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 2
NCUA form-section FS220N (9 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

NJ Gateway Federal Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $4.9M
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $2.0M
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $2.8M
Held-to-Maturity Debt Securities >5 and <= 10 Years AS0071 $3.8M
Held-to-Maturity Debt Securities > 10 Years AS0072 $8.7M
Total Liabilities LI0069 $25.0M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $27.7M
Number of Loans Purchased from Other Financial Institutions YTD (Whole or partial loans) SL0014 71
Amount of Loans Purchased from Other Financial Institutions YTD (Whole or partial loans) SL0015 $631K
NCUA form-section FS220P (3 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

NJ Gateway Federal Credit Union, NCUA form-section FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $80
Unsecured Credit Card Loans DL0002 $516
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $516
NCUA form-section FS220Q (26 items)

investment portfolio detail (69%)

NJ Gateway Federal Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - US Government Obligations NV0001 $600K
Held-to-maturity Fair Value - US Government Obligations NV0002 $595K
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0013 $17.2M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0014 $16.9M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $17.2M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $16.9M
Held-to-maturity Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0073 $4.4M
Held-to-maturity Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0074 $4.4M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $22.2M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $22.2M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $37K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $37K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $4.9M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $2.0M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $2.8M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $3.8M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $8.7M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $22.2M
RBC Total Equity RB0001 $2.8M
RBC Allowance for Credit Losses RB0002 $61K
RBC Total Additions RB0005 $61K
RBC Total Deductions RB0009 $240K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $2.6M
RBC Risk-Based Capital Numerator RB0012 $2.6M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $601K
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Vehicle - Non-commercial SL0037 $631K
NCUA form-section FS220R (39 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

NJ Gateway Federal Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $22.2M
RBC Schedule Total Consumer Loans RB0060 $1.9M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $61K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $61K
RBC Schedule Total Loans RB0079 $4.1M
RBC Total for Risk Weighting Total Loans RB0081 -$61K
RBC Total Loans 0% Weight RB0082 -$61K
RBC Schedule Total Other Assets RB0088 $695K
RBC Total for Risk Weighting Other Assets RB0090 $240K
RBC Other Assets 0% Weight RB0091 $240K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $27.7M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $179K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $179K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $27.7M
RBC Allowance for Credit Losses (Loans) RB0177 $61K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 4.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 711,445.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 3.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 113,817.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 9.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 420,109.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 50,771.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $1.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $51K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 3.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 72,559.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Adjustable Rate RL0021 13.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Adjustable Rate RL0022 935,885.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Adjustable Rate RL0023 90,393.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $1.0M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $90K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $32
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $2.3M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $141K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $1.4M
Total Shares SH0013 $24.8M
Total Shares and Deposits SH0018 $24.8M
Number of Outstanding Loans Purchased from Other Financial Institutions SL0018 68
Amount of Outstanding Loans Purchased from Other Financial Institutions SL0019 $601K

NJ Gateway Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the NJ Gateway Federal Credit Union call report?

The NJ Gateway Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does NJ Gateway Federal Credit Union file?

NJ Gateway Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the NJ Gateway Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for NJ Gateway Federal Credit Union is 19454.

How often does NJ Gateway Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

NJ Gateway Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.