# NORTH JERSEY
Totowa, NJ · NCUA charter 1015 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/north-jersey-1015

Who the members are: federal charter, community charter, organized 1936, low-income designated. 27,820 members of 3,449,242 potential (0.8% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 20.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $256.7M |
| Members | 27,820 (13.7% YoY) |
| Full-time staff | 74 |
| Net worth | $26.7M |
| Net worth ratio | 10.4% (p36 of band) |
| ROA (annualized) | 0.78% (p57 of band) |
| Total delinquency | 0.77% (p64 of band) |
| Net charge-offs (annualized) | 0.39% (p49 of band) |
| Loans / shares | 64% (p29 of band) |
| Cash / assets | 11.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.76% (p63 of band) |
| Operating expense / assets | 4.52% (p83 of band) |
| Vehicles % of loans | 15% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 2% (p22 of band) |
| Vehicle delinquency | 0.76% (p63 of band) |
| Vehicle NCO | 1.56% (p85 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 88% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 11% |
| Average share balance | $5,035 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $14.5M |
| Loans outstanding per 100 members | 20% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $26,814 |
| Loans granted, annualized | $23.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $14.5M outstanding purchased (54.3% of net worth), $138,164 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 9.0% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 1 |  | losing money, charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, members leaving |  |
| 2017-06 | 3 | losing money | members leaving |
| 2017-09 | 5 | delinquency rising, members leaving |  |
| 2017-12 | 4 | assets shrinking | net worth falling, delinquency rising |
| 2018-03 | 3 |  | losing money |
| 2018-06 | 4 | net worth falling, losing money | assets shrinking |
| 2018-09 | 2 |  | members leaving, net worth falling |
| 2018-12 | 1 |  | losing money |
| 2019-03 | 3 | net worth falling, charge-offs p90 |  |
| 2019-06 | 1 |  | net worth falling, charge-offs p90 |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | charge-offs p90 |  |
| 2020-03 | 3 | net worth falling, delinquency rising | charge-offs p90 |
| 2020-06 | 6 | thin capital, losing money, margin squeeze |  |
| 2020-09 | 3 |  | net worth falling, delinquency rising, thin capital |
| 2020-12 | 5 | thin capital, charge-offs p90 |  |
| 2021-03 | 6 | net worth falling |  |
| 2021-06 | 5 |  | margin squeeze |
| 2021-09 | 3 |  | losing money, net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | members leaving |  |
| 2022-12 | 3 | assets shrinking | members leaving |
| 2023-03 | 2 |  | thin capital |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 3 | charge-offs p90 | delinquency 2x band |
| 2024-09 | 0 |  | assets shrinking, net worth falling, charge-offs p90 |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | net worth falling, delinquency 2x band |  |
| 2025-06 | 0 |  | net worth falling, delinquency 2x band |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | net worth falling |  |
| 2026-03 | 0 |  | net worth falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-26 [NJ's July job losses were 'striking,' reflecting national trend - Bergen Record](https://news.google.com/rss/articles/CBMinAFBVV95cUxQSEZuSDFRRkprYjNBbWw3NlFWNlZaa2M3S29uUUFFclV5OVdudXhseGN5b1UyTDJPWHVHdVVpMnFpWTZMV1ZIREVsU2RzREpYdW5JbERhZXN4VXhXRDdpb3g0a250VldraVc0NFB5X2dLNGFyek1tb3ZTQUZuekR5MWJkRF9yX3ZXX093a1Fkb2ctcVpjZUFuVlRxcnU?oc=5) · Bergen Record
- 2020-12-11 [North Jersey Federal Credit Union names new CEO - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxORjN5S0VGc3J4Znp5RWN2Rk1UdFk0UDdmOEpJWTNrdER4M1dTbGxyMzByVERpU0RmaV96dEtpOUJYZ0JRYVRjZ28tek1jWnp5Mk1yeTRWYWFqV0YyRHZqQXdlUERsVHJZTldZemZDMXJ2djY2VDdOWngwbmJSai04bk9FZGhBS09RdFNSQ0RzOEJfXzhReGM2VXZxdVQ?oc=5) · American Banker
- 2018-06-12 [North Jersey Federal Credit Union closing downtown Paterson branch - Paterson Times](https://news.google.com/rss/articles/CBMipwFBVV95cUxPXzF1NWtWSDJrbkp3N3BTckFDSDdOOGlCN0JNSm5jc25vYndOc3E2bEVVRHJwbGljOVpoOUpYRGUya2YxY2tJalAxMXUtVjluM3BVNjA0TnNIUlZoWmJNb0I1SUdBMWlFNnM0RGtiYkNURFowdTJsNHBGS09xN2otbTJJc0x4Uy1iN29rM1RGTVN1ekRLWVBiRmprbmtDUVI2STFLYVJLbw?oc=5) · Paterson Times
- 2026-05-19 [Heading to Jersey Shore will cost more this summer. Here's how much - Bergen Record](https://news.google.com/rss/articles/CBMixgFBVV95cUxNTGV3RFF1djNId2NSRDhTbmh2dU9BVVVMSlJOWVA5U3g2UC1nZl8tdFQ3bThXY0QtOEo0b0dIYW9ERkJoMW1NcFlRVEstUjZLLWFXSjIyeUZtRkpzSnY1eXFfa2VkWWpHTkg5RXdkMl9zRVRlLXc0cmgwbnkzV1RZeTlwR0dmUk1CQWpONU5MNnV3Yk1JTGdNRkhUVWE2WlN3MUJUZmJLSVhJVEZTN04wS2Y4RWFvYVJCNDdvcGpsMWstdEgzQkE?oc=5) · Bergen Record
- 2023-01-03 [N.J. credit union reopens student-run bank at H.S. - NJ.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOX2tZMlIzTTJ5LUZ6QWE2aWZxWTRGNDJnakxtQUxuZHBRbDRBdHkycVNPRkw2VDRfMVdFLV9IMHQ1VEdEX1hLNzctTy13NzhhajFBNDB1OVhLVG9zTFVudlI0LWZBMG1sOFZvYmpEQkVTeXp5QlQxcHpyc3pLUWZFXzVEa3Y5Q2hmSUpocHRGblVhRUMyNkwwWNIBrAFBVV95cUxQRUppQnNoQWdFcTVfbHFtTWpVYTk2bmhVb3AyYm5lajB1UE9BX2NhUXRHMm9YMmN6M1ZhY0IyVGJ5cUxhY3lkWkY2RFBTcjU2MnFqeUlDOUtxUkcwRjJBY1Q4dHgteVB6VWNsQmY3WVJFRU9NdzRtTEFfMWhtX1R3YkgtalptN3VlaXB6ZU9xdjNEZVplZl90VnNmZF9FT2JZTTBGVkROQkhjeEtV?oc=5) · NJ.com
- 2020-08-20 [North Jersey Federal Credit Union CEO set to retire this year - American Banker](https://news.google.com/rss/articles/CBMirwFBVV95cUxORHNUVWhkTHJVUFVsU2ZuYU1GWmJkM25aYzhBdmdQWWJSeWNrcm1tcE5UYXdlQ0tOVFVSZXdFNS05SVRISHF4bU1wR1lfM1NQNDNRS3dfODVwcjBYRlFVOTFBNGtmMkVUd1dOR2cxQ2xzcjJiVDdxRjNnTV9CamtFUklFajlxcXphZ2l0Z3JoMjI2UHY5UzB2dXRfbXhrbG5JSHVGd2k4SEhTdll4WE5r?oc=5) · American Banker
- 2026-07-27 [Sheila Y. Oliver Foundation Hosts Third Annual Legacy Brunch Celebrating Women’s Leadership Across New Jersey - Insider NJ](https://news.google.com/rss/articles/CBMizwFBVV95cUxQUTNCVUhXZjRSX1RMZHFhWll3Skk0eTJYZDNITWFUYTFGZGJ2SWJJWVRCdjBFNUZyaWFoUURpMXZnR2RWS0FSWUVTaDFOeFQwczEyQk1GWndWMnVqYkJyTXBFZ0hKVmF0SExhZ2RydHdDZHBDSXJjb0hhOGEtUzdYVzVNa1hIRXVyUG9pa2lUVy00TnNaMXNGdEdtbGUyZWNkcGpFeHE5Z2RCQjF2a0N6dXlZZUdaZHJONVN0a2syaUJrQ3VaY2wzeUU5dEZiTDg?oc=5) · Insider NJ
- 2013-11-21 [Lakeland Bank announces promotions - www.westmilfordmessenger.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxPbXhMZkF6WWhCSXNjTFN6MUMyUjY0dzEyRUY5Z3JqM1M3Z1lnTjE5MVY4azhIUUUxTnQyTi03S3kyOW9PMThabm1vUXVZRklzMEptdVJPZ1BPVjdPMnI1UmlQYnpDNzUtYTFsd19YX3lhQnFWaVFWVzdNU2lDMENMc3FsVkItc0xGQmhReUJfYXg0clZJdjNDeC1nYTk5NUNoM1RXNGNIcmpoMjZCdGc?oc=5) · www.westmilfordmessenger.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1015 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/55.json (key "1015", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=1015
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide