Sep, 30, 2025 — RARITAN BAY FEDERAL CREDIT UNION is a federal credit union headquartered in SAYREVILLE, NJ with 1 branch location and about $104.22 million in total assets. Opened 85 years ago in 1941, RARITAN BAY FEDERAL CREDIT UNION has about 7,651 members and employs 25 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | RARITAN BAY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 491 Raritan St SAYREVILLE, NJ 08872-1442 |
| Phone: | (732) 727-3500 |
| Fax: | (732) 727-2527 |
| Website: | https://www.rbfcu.coop |
| Branches: | 1 branch locations |
| Members: | 7,651 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 4726 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1941 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $104,224,026 |
| CEO/Manager: | Ronald C Behrens |
| Chairperson: | Andrew j Zaborney |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 5,466,425 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 6,223,148 |
| Unsecured Loans | 2,473,650 |
| Other Loans | 17,011,739 |
| TOTAL LOANS | 35,068,240 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -318,169 |
| Land And Building | 596,269 |
| Other Fixed Assets | 71,809 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 928,805 |
| All Other Assets | 0 |
| TOTAL ASSETS | 104,224,026 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 33,940 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 720,160 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 25,287,729 |
| Regular shares | 51,326,212 |
| All Other Shares & Deposits | 19,287,577 |
| TOTAL SHARES & DEPOSITS | 95,901,518 |
| TOTAL LIABILITIES | 96,655,618 |
| Regular Reserve | 0 |
| Other Reserves | 2,981,321 |
| Undivided Earnings | 4,587,087 |
| TOTAL EQUITY | 7,568,408 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 104,224,026 |
| INCOME & EXPENSE | |
| Loan Income | 1,692,897 |
| Investment Income | 1,474,830 |
| Other Income | 525,762 |
| Total Employee Compensation & Benefits | 1,479,356 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,133,561 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -24,009 |
| Cost of Funds | 333,170 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 836,826 |
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