Baker Federal Credit Union

Overview / Commentary
501 Baltimore St
Phillipsburg, NJ 08865

Baker Federal Credit Union is headquartered in Phillipsburg and is the 53rd largest credit union in the state of New Jersey. It is also the 2,720th largest credit union in the nation. It was established in 1961 and as of March of 2020, it had grown to 8 employees and 4,595 members at 1 location. Baker Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attends school in Warren County.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Baker Federal Credit Union has a low asset base.

Health Grade Components

NCUA #14127
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD7.82%
Annual Interest Income$331.00K
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$34.8MM$35.2MM
LoansQ1 2020vs Q1 2019$19.7MM$25.1MM
DepositsQ1 2020vs Q1 2019$32.4MM$32.8MM
Equity CapitalQ1 2020vs Q1 2019$2.3MM$2.2MM
Loan Loss AllowanceQ1 2020vs Q1 2019$802.00K$943.00K
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$223.00K$147.00K
Real Estate OwnedQ1 2020vs Q1 2019$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Baker Federal Credit Union Savings Account Rates

0.15%*$100k*-High Yield Savings
OTHER TIERS: 0.10% $3k - $50k | 0.12% $50k - $100k
0.05%$50-Regular Savings
0.05%$50-Kids Klub
0.05%$50-IRA Savings
0.05%$50-Holiday Club
0.05%$50-Vacation Club

Baker Federal Credit Union CD Rates

0.40%$500-36 Month CD
0.30%$500-24 Month CD
0.20%$500-12 Month CD
0.10%$500-6 Month CD
0.05%$500-3 Month CD

Baker Federal Credit Union IRA Rates

0.40%$500-36 Month IRA
0.30%$500-24 Month IRA
0.20%$500-12 Month IRA
0.10%$500-6 Month IRA
0.05%$500-3 Month IRA

Baker Federal Credit Union Locations
Branch Office501 Baltimore StPhillipsburg, NJ 08865-1845

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