PROPONENT
Federal • Nutley, New Jersey • Est. 1971
Quick Facts
- Charter Number
- #20448
- Type
- Federal
- Established
- 1971
- Headquarters
- Nutley, New Jersey 07110
- Address
- 100 Metro Blvd, 4th Floor
- Branches
- 4
- ATMs
- 2
- Members
- 18,623
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
18,623 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | PROPONENT |
|---|---|
| Total Assets | $508.3M |
| Members | 18,623 |
| Loans Outstanding | $398.0M |
| Shares & Deposits | $425.5M |
| Net Worth | $72.5M |
| Net Worth Ratio | 14.27% |
| Loan-to-Share Ratio | 93.5% |
| Delinquency Rate | 0.93% |
| Net Income | +$1,655,737 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 2 ATMs
Corporate Office
Main Office100 Metro Blvd
Nutley, NJ 07110
Forestdale Member Service Center
3504 Forestdale Dr
Burlington, NC 27215-4693
Bloomfield Member Service Center
173 Bloomfield Ave
Nutley, NJ 07110
Kingsland Member Service Center
409 Kingsland St
Nutley, NJ 07110
Who Can Join PROPONENT?
Membership Type: Community
Membership eligibility for PROPONENT may vary. Contact the credit union directly to confirm qualification requirements.
Contact PROPONENT directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New Jersey RankingsFrequently Asked Questions
Yes. PROPONENT is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, PROPONENT has 18,623 members and a potential membership field of 74,438 people.
PROPONENT's net worth ratio is 14.27% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.3%, PROPONENT meets this threshold.
PROPONENT operates 4 branch locations and has access to 2 ATMs. The main office is located at 100 Metro Blvd, Nutley, NJ 07110.
PROPONENT was established in 1971. It is a federal credit union chartered under charter number 20448. The institution has been serving members for 55 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or PROPONENT. All financial data is for informational purposes only.