Baker Federal Credit Union


Overview / Commentary
908-859-2340
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 2,703rd largest credit union in the nation. It was established in 1961 and as of December of 2018, it had grown to 10 employees and 4,799 members at 2 locations. 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.
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Health
C+
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

Overall
NCUA #14127
Year Chartered1961
Employees10
Primary Regulator
Profit Margin
Return on Assets - YTD-1.2%
Return on Equity - YTD-19.16%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$34.5MM$38.7MM
LoansQ4 2018vs Q4 2017$26.8MM$33.0MM
DepositsQ4 2018vs Q4 2017$32.2MM$36.0MM
Equity CapitalQ4 2018vs Q4 2017$2.2MM$2.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$992.00K$514.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$257.00K$484.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$41.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-High Yield Savings
OTHER TIERS: 0.10% $3k - $50k | 0.15% $50k - $100k
0.10%$5-Regular Savings
0.10%$5-Kids Klub
0.10%$50-IRA Savings
0.10%$50-Holiday Club
0.10%$50-Vacation Club

Baker Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$500-36 Month CD
0.85%$500-24 Month CD
0.75%$500-12 Month CD
0.50%$500-6 Month CD
0.25%$500-3 Month CD

Baker Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$500-36 Month IRA
0.85%$500-24 Month IRA
0.75%$500-12 Month IRA
0.50%$500-6 Month IRA
0.25%$500-3 Month IRA
Locations


Baker Federal Credit Union Locations
Branch Office501 Baltimore StPhillipsburg, NJ 08865-1845
Branch Office269 Rt 31 S Suite 6Washington, NJ 07882

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