# CENTRAL JERSEY
Woodbridge, NJ · NCUA charter 1108 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/central-jersey-1108

Who the members are: federal charter, multiple common bond, organized 1936. 5,939 members of 25,000 potential (23.8% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $94.4M |
| Members | 5,939 (-4.6% YoY) |
| Full-time staff | 14 |
| Net worth | $9.7M |
| Net worth ratio | 10.3% (p24 of band) |
| ROA (annualized) | 0.64% (p46 of band) |
| Total delinquency | 0.73% (p57 of band) |
| Net charge-offs (annualized) | 0.08% (p28 of band) |
| Loans / shares | 52% (p34 of band) |
| Cash / assets | 18.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.57% (p46 of band) |
| Operating expense / assets | 3.77% (p57 of band) |
| Vehicles % of loans | 23% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.44% (p44 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 1% |
| Average share balance | $7,199 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.1M |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $14,756 |
| Loans granted, annualized | $9.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.1M outstanding purchased (22.0% of net worth), $1,658 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -2.5% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, capital below 7%, delinquency 2x band |  |
| 2016-06 | 4 | charge-offs p90 | delinquency 2x band |
| 2016-09 | 6 | net worth falling, losing money, delinquency 2x band | charge-offs p90 |
| 2016-12 | 5 |  | net worth falling |
| 2017-03 | 5 | margin squeeze | losing money |
| 2017-06 | 6 | delinquency rising |  |
| 2017-09 | 6 | members leaving | margin squeeze |
| 2017-12 | 6 |  |  |
| 2018-03 | 8 | losing money, charge-offs p90 |  |
| 2018-06 | 6 |  | delinquency rising, losing money |
| 2018-09 | 4 |  | capital below 7% |
| 2018-12 | 4 |  |  |
| 2019-03 | 5 | capital below 7% | charge-offs p90 |
| 2019-06 | 6 | charge-offs p90 |  |
| 2019-09 | 4 |  | capital below 7% |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 | net worth falling | charge-offs p90 |
| 2020-06 | 9 | capital below 7%, losing money, margin squeeze, charge-offs p90 |  |
| 2020-09 | 7 |  | net worth falling, charge-offs p90 |
| 2020-12 | 6 |  | losing money |
| 2021-03 | 7 | net worth falling |  |
| 2021-06 | 5 |  | margin squeeze, net worth falling |
| 2021-09 | 6 | margin squeeze |  |
| 2021-12 | 5 |  | margin squeeze |
| 2022-03 | 6 | net worth falling |  |
| 2022-06 | 5 |  | net worth falling |
| 2022-09 | 3 |  | capital below 7% |
| 2022-12 | 2 |  | members leaving |
| 2023-03 | 2 | charge-offs p90 | delinquency 2x band |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | members leaving |  |
| 2024-03 | 4 | assets shrinking |  |
| 2024-06 | 3 |  | thin capital |
| 2024-09 | 2 |  | charge-offs p90 |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | net worth falling | assets shrinking |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

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

- 2016-10-07 [Perth Amboy's United Poles FCU still going strong - Central New Jersey News](https://news.google.com/rss/articles/CBMihwFBVV95cUxPOVpRaFI5bWIzeDY2SzRRYU9jcVo3OHpmZE1MSnlrVlJ4RFZBQW8yMEZKd0RxcENMemducnNGQ2FGa3RZRVRfQ19VNU5UbEppTHpsNnJJX29FOVB2bHVZX3RpX1VxNkZsOHBUWmxuNklWWEFWYXZhc2tKOGQxMm9OTW1kcE5IdXM?oc=5) · Central New Jersey News
- 2025-04-08 [Best Banks and Credit Unions in New Jersey 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxOVVAzOWJ2YWxhNEgxMjJaYXg0Zzhld0YtaXpkWS0wVUk5STdDRFdWc3FWelRKMDNGamJJVThoSkpoUG5Jb2drb3pFVy1DZFRCaWJjZE1ZbmhMUVhrTlZ4bnNFZ1FtZXpBRnhjelhoQzR3S3FXNTZFQjNEQnY0QnBxb3hhWks2dEdmQkw4b3ZGR1BoZw?oc=5) · Newsweek Rankings
- 2024-09-16 [Affinity Federal Credit Union expands presence with new branch in Lawrenceville - ROI-NJ](https://news.google.com/rss/articles/CBMivwFBVV95cUxQblhTMVdWTkdTUjk3ZzBnM3VydTltU0tJN0k0REM1RE13OE1xQ1ljMjZjX2NrZ20xekZnRi1TZ2RwdEs3MzByQXQ0cDl2RmlMS0J4ODM4Y25lX3RpS2IxWXoyc0RsRXNxMVcwSV9TNEZhclRubjIxaTc3Uy1fRzMtZGh5SFFTTWlvU21yWW1fQzl5UHpUbFlwNzFyR0xfeWJnRldXczlaclRHU0FIcUZseGxnand1bm5fY2VPUE5yMA?oc=5) · ROI-NJ
- 2022-11-16 [Among 10 Latest CUs to Announce Merger Plans, a Common Theme - cutoday.info](https://news.google.com/rss/articles/CBMinAFBVV95cUxPLTROYjR3clBCWDVBTmVEa05mbHRqQ3BzWkxmR2N5Ukd5eWdHMlcxZU1aNm1UWUE0UHlkQXVRM2xQMy1xWWV0cjF5VUlUTGxDbkNxQ2o4bDV2dS1GUG1zNnhIcGhZTnN0emVwdzBTOTdfcklaRkt3SUt0Umxwd1RhVjNtRm5PTzdrbEJRcy0xSU1rSE5vTVhndW1QZWs?oc=5) · cutoday.info
- 2015-12-08 [Affinity raises $15G at casino night, expands mortgage program - Central New Jersey News](https://news.google.com/rss/articles/CBMitgFBVV95cUxQaGNfWVdPREs4T2o3S2g5M0d3MXFmbDlZWXN5Q2IxSU9YV2ZhN1FZMk5SZWxnd2w3MUZmeXdKaTI0OS1OclRpUHp0bG5MSlFSNjBOemRuLUJpSE54YVY2elF6SnhxcVNNbHpzQXdxbHA2d3VVQUFMZExDXzhwS2xKdkpQOHRuRFJkdlZhVE1SYjNxeUt2Wi05cHhfV3FzaTVubXdRUllnSnJTZmlmbWZwVUg0N3FkZw?oc=5) · Central New Jersey News
- 2022-09-27 [The price of homes sold recently in Central Jersey. Deed transfers, Aug. 15-21, 2022. - NJ.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxNQUpha3pPeHhlMWRoLWxUWTRONElrS1pTM3p5aDE4aWlMWUphQi1sQ2hPT1g5dW81NWxYWDFyYV9pQWppVExTcmxiM01yQ2I1SVJGZWt0QUpBODExdHZYVmUwV0JmbkVnLS1raV9oaFA2bHQwRGIwb2RBWEh6c2g5cnk3d0NHUlFSakJibmJ4aVVsbmxfVmtuMXF0clQ1LVc0eEpWOEE3STNyMkg0QjFzTFJMaWJHSmllN1JKeFB4Zw?oc=5) · NJ.com
- 2014-09-11 [Edison’s Pinnacle Credit Union promotes new CEO - Central New Jersey News](https://news.google.com/rss/articles/CBMivAFBVV95cUxPUGJiWE1Bc1k2Ri1qZDhySFFxaExpMWhaOHA3bVJjb3NZZlhFNVMwdzlSS2ZHM0J4YUdCZ2VkN0pSNlJWM3hvanJ3bzFGcnNkcGFGYzBFVnB3dzdaaDdpSS0xU1NURTRQR0VMQ1ZSTFgtWlJtY29adnFFdjJvYmxyb2k3OEdWdGVPbnNFNnlzR0NldnlMaGRINnVLWktnZHpzWXFldWpOQS1xemJXUkdZVG00UWgwSVVDRHZ5Xw?oc=5) · Central New Jersey News
- 2016-02-20 [Dr. Lauretta A Farrell becomes credit educator - Central New Jersey News](https://news.google.com/rss/articles/CBMizwFBVV95cUxQc0IwY1VuWDJYTnhCVTdtSHFLNE5JeHhDVGtNa3J1REdNNUphbjZLWmRmZEQ5TUE0OGlYbnpSRnVWVHB1TUlrWTFmSTI3Sm5KaUNORkFpeEc5d0pIQlNaWWYwWWVUQ3JhM3FVcG9EamZscGsyZDBnWTRyRXNtalpCOHg1QWRTUnBBNk0tTzAxdDVOYV9teXlTU2pCV2ZENThjSzhsR1Jsb2w4Qko1aVNkWkNvM1BrVVd4YldfY25CN01OUG56aExscnZlTHVLLTQ?oc=5) · Central New Jersey News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1108 (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/20.json (key "1108", 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=1108
- 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