Sep, 30, 2025 — CENTRAL JERSEY FEDERAL CREDIT UNION is a federal credit union headquartered in WOODBRIDGE, NJ with 1 branch location and about $90.75 million in total assets. Opened 90 years ago in 1936, CENTRAL JERSEY FEDERAL CREDIT UNION has about 6,144 members and employs 15 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CENTRAL JERSEY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 380 BERRY ST WOODBRIDGE, NJ 07095 |
| Phone: | (732) 634-0600 |
| Fax: | (732) 634-7965 |
| Website: | https://www.cjfcu.org |
| Branches: | 1 branch locations |
| Members: | 6,144 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 1108 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1936 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $90,746,992 |
| CEO/Manager: | Michael G Reilly |
| Chairperson: | James Lenox |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,787,392 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 26,352,374 |
| Unsecured Loans | 6,846,719 |
| Other Loans | 11,345,387 |
| TOTAL LOANS | 44,544,480 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -367,762 |
| Land And Building | 2,413,766 |
| Other Fixed Assets | 946,437 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 815,647 |
| All Other Assets | 0 |
| TOTAL ASSETS | 90,746,992 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,613,429 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 13,904,164 |
| Regular shares | 48,550,257 |
| All Other Shares & Deposits | 17,464,323 |
| TOTAL SHARES & DEPOSITS | 79,918,744 |
| TOTAL LIABILITIES | 81,532,173 |
| Regular Reserve | 0 |
| Other Reserves | 4,867,418 |
| Undivided Earnings | 4,347,401 |
| TOTAL EQUITY | 9,214,819 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 90,746,992 |
| INCOME & EXPENSE | |
| Loan Income | 2,022,869 |
| Investment Income | 807,129 |
| Other Income | 502,746 |
| Total Employee Compensation & Benefits | 1,294,695 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,428,649 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 88,100 |
| Cost of Funds | 300,257 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 292,121 |
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