# FORT BILLINGS
PAULSBORO, NJ · NCUA charter 1167 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fort-billings-1167

Who the members are: federal charter, community charter, organized 1936. 3,450 members of 20,000 potential (17.3% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *ordinary*. 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 | $64.6M |
| Members | 3,450 (-2.7% YoY) |
| Full-time staff | 18 |
| Net worth | $6.0M |
| Net worth ratio | 9.3% (p13 of band) |
| ROA (annualized) | -0.06% (p12 of band) |
| Total delinquency | 0.84% (p65 of band) |
| Net charge-offs (annualized) | 0.30% (p56 of band) |
| Loans / shares | 54% (p38 of band) |
| Cash / assets | 12.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.52% (p43 of band) |
| Operating expense / assets | 4.09% (p68 of band) |
| Vehicles % of loans | 22% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p51 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 71% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 9% |
| Average share balance | $9,229 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.3M |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $21,559 |
| Loans granted, annualized | $4.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.3M outstanding purchased (38.2% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.4% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

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

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

- 2021-11-21 [Linda Wilson Obituary (2021) - Elmer, NJ - South Jersey Times - obits.nj.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPaVhhQV9Md21iUjFxRDNNcE9zNms1ZFdOSk81VlgxZXdEekFPZy1DeEhDclpKQl9mczFlTUFXVHJnM19ZVFllbzh5bHFmODRZZWF6ZG1NbTVveHNBMDVuUHNlZXdKVVRNWFNmamV2SUNTdlZiYVU0aW4xVFZlZEJpTFJSR1JhS2lULV9IWlRyWXRuYmV5?oc=5) · obits.nj.com
- 2025-06-11 [Howard T. Watson Jr. Obituary (2025) - Vero Beach, FL - Millennium Cremation Service - Vero Beach - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPTmE4ZUNqR3Rfb1ROU1lZdXRreUpOWTdMd24zMFowT0hrdzZkSFZmZmp0YmFFM2cxUUNlTVpnSGRXN3dzNHVvVmpkZk1MclpWSUhzWHdxT1JzRXhnYnhqTG9xclJnMmFQWF9TdkllbnlKUXhDenRqOE5CYUNYYi1WcXJB?oc=5) · legacy.com
- 2009-08-12 [Richard Boucher Obituary (2009) - Jersey City, NJ - South Jersey Times - obits.nj.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPNWRDUnJTcnlPRWs4ZkxMYVdjTkZLelNmQlVtT3FDUVIwZzBGYWhXOWR3c1phRmd4MFJYeG5iTkVhdFRJVmNHTWFtMVFDRE8yTERiSHlham44MzB3dHViV1NhbHp4c2c3Sk1oUnJ2RTZEc1BDRnZUUmJVSXE4clRjX2FCTWY0MElvQmE0aU05cGthMFM0dmhEaA?oc=5) · obits.nj.com
- 2018-11-18 [CARL VICERE Obituary (2018) - Woodstown, NJ - South Jersey Times - obits.nj.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPV2RNbi1fQUhmVkh5b3FIalFqRzc3dnItckVQSTljLWU3dzA1RGh4aXpQRkJJeGRhd1duRWNfaV9yLXJlZDR6dzdxMS1BVnhrOXAzR2ZxMXFOT05pdUtCajUxOXN2SzN3VldBSlZWbjVONVN5QmpEc29XaVpEQXY3SGg2YzhUSXE3NXE2eTJBWEZNQXc?oc=5) · obits.nj.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1167 (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/15.json (key "1167", 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=1167
- 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