RIDGEDALE Credit Union Profile

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RIDGEDALE

Charter #5419 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (973) 947-1000

Fax: (973) 947-0998

Founding Date: N/A

Website: HTTP://WWW.RIDGEDALEFCU.ORG

Personnel & Operations

President: Hatolski, Michael

Manager: Rheiner, Linda

FT Employees: 16

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 10

Branches: 2

Hours: 8-5:30 M-F

Credit Union Profile Summary

RIDGEDALE is a FCU Credit Union. With a total of 3,803 members [1], this institution manages approximately $98,948,742 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 9.29% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -2.16% [1].

Financial Snapshot

Total Assets [1]
$98,948,742

Total economic resources.

Total Loans [1]
$44,672,610

Total value of outstanding loans.

Total Deposits [1]
$90,142,204

Total funds deposited by members.

Members [1]
3,803

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.29%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-0.45%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
49.56%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -5.55%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -2.16%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -1.86%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

124 S Ridgedale AVe

East Hanover, NJ, 07936
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 2 branches reported by RIDGEDALE (Charter #5419).

Main Office

Ridgedale Office Main Office

Type: Corporate Office

124 S Ridgedale AVe

East Hanover, NJ 07936

Phone: (973) 947-1000

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Jersey City

Liberty Federal Credit Union

Type: Branch Office

666 Newark Ave

Jersey City, NJ 07306

Phone: (201) 659-3900

Services: None specified

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