# COUNTY EXCELLENCE
Roselle Park, NJ · NCUA charter 120 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/county-excellence-120

Who the members are: federal charter, community charter, organized 1935. 8,701 members of 1,046,685 potential (0.8% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $134.0M |
| Members | 8,701 (0.1% YoY) |
| Full-time staff | 21 |
| Net worth | $11.4M |
| Net worth ratio | 8.5% (p9 of band) |
| ROA (annualized) | 0.83% (p59 of band) |
| Total delinquency | 1.24% (p81 of band) |
| Net charge-offs (annualized) | 0.69% (p78 of band) |
| Loans / shares | 58% (p30 of band) |
| Cash / assets | 16.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.02% (p72 of band) |
| Operating expense / assets | 3.93% (p60 of band) |
| Vehicles % of loans | 30% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 43% |
| Third-party paper % of net worth | 82% (p66 of band) |
| Vehicle delinquency | 1.46% (p84 of band) |
| Vehicle NCO | 0.75% (p64 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 23% |
| Average share balance | $7,957 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $11.1M |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $27,547 |
| Loans granted, annualized | $29.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $11.1M outstanding purchased (97.3% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 6.7% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)

## Warning timeline

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

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

- 2024-09-27 [County Educators Federal Credit Union Announces Name Change to County Excellence Federal Credit Union - Yahoo Finance](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNOTliYzd4VmJsWFdNRGVKNVpVbC1wZlZXUGZIQVhEM3JDZXhwdUhSdjA1WTl5OE92Q0hmTnlVX1MzVHVYZzd5ZkhibFJwLWhhTmRkbTVuUFpBejhXX28yUFlnWEx5YlFYVDhBcG1zYmdhb0I0SldqaGc5Sk1vRW1URTNWM2ZhT1NfMXdB?oc=5) · Yahoo Finance
- 2026-06-15 [18 New Jersey credit unions launch summer food drive to combat hunger - WRNJ Radio](https://news.google.com/rss/articles/CBMilwFBVV95cUxNcm5wYWVxVUVVM21YMkQyM2VJQVc2aXZmQ1AxZ1Zfa2FWLTNhLWJrdHI4emx0OE14VjB6dWpwVkJKNXFpLWU0dnJkM1BLZ3pSMDRHX3UwWnZxbDNsamx2cWs2Q1o1MVlPWDllRnU3OVpVWEZQTG42VHVEcXh0d3B4aDJsS0hTazlBTDB6VktNR24zMWpGSEh3?oc=5) · WRNJ Radio
- 2026-06-18 [18 credit unions in N.J. unite for annual food cooperative to help address hunger - ROI-NJ](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNYmtFejJjOW9WZ2d2d2tEVkNQU0U5ajdMcXJZdkhiV1REdHgzSVkwUE9KLWZBd3VCQWtVSjR0Q1J6cDZobVdlekRoSThYamFwTXlNc3pxTS1vRUZDcmtCYjFNd05lZ0ktSWhuelUzMHJFTG5sZ1I5ay1yT0ZLdGZMMklfcGpRc2VvSzludzlvbXVGaHBvVjhzSnA2aUVOTXJJSlV3Y3h3SEphOTd4QUo5a21uMUh5Q1hyNHVaRU1yU2w?oc=5) · ROI-NJ
- 2016-01-18 [‘Excellence in Teaching’ winner gives back to Grace Park Elementary - Delco Times](https://news.google.com/rss/articles/CBMipwFBVV95cUxNcm9NWHFyQ3N0WTRkYzZZemw4MDgzb0lNVEo0b3phM3Ywb1hxSVpMZHlLcEhOVjBZbm9hMXJUNFIzb09sdTNKX19zNWZMWjNnMmdoMlVoTzlLcjNyZWtUelliaUhBOS10SkdTdnppRVA0VWNjSEpSbUxCeEVlQTU3aVAzX0UwMGtDTXB6LVhJLUhtUDJqVElMV2RVUjZaam5WNWtOYUFQdw?oc=5) · Delco Times
- 2017-04-23 [Nether Providence Elementary librarian receives Excellence in Teaching Award - Delco Times](https://news.google.com/rss/articles/CBMitgFBVV95cUxOOXFZVlU5czdnQ0M5Vm9CeHNOeEFkckFsR2NYM2hDeklncjdJNmVRY3U2MGRXdDZvSzg5OG1XWHpORnJkVE9KRXBYNUlPVW5iWVhBRkJndXpKTkJLNHk1WFFXcGNCMXl6dGppQ3NZeVVKcVlxQlFJQy13aFBsNFlZZzJJTE9OSmJPQklUeVl6RndjcFlMa0VtbkFEU1JPb0dPQVhhV0p0REp4enpxSnpTWFhQM0Fldw?oc=5) · Delco Times
- 2013-03-27 [Marple Newtown teachers honored for excellence - Delco Times](https://news.google.com/rss/articles/CBMijgFBVV95cUxNdjNUMDg5LVE2RVVabmFYRGZjbzFSdjlpTjJjbk01OExGQ0xPSVJuOVZOWlpLVXlaUTZ1bk9UdjdUZG5yNEU3Z1MxWFl2VjVvc2JoQjU0WkE3eFJkRXFnX0xRX0JLLXFVRmtaTlJ4Tlp6bEZKLURTcHpMUU84TTdrRENqUEFpMjN6b2VTRjFB?oc=5) · Delco Times
- 2012-03-11 [Marple Newtown School District teachers selected as ‘Best of Best’ - Delco Times](https://news.google.com/rss/articles/CBMipgFBVV95cUxOMk5rU1ozbGxMUzUzdVpPSFAxRVVwd2dBcnZXXzJUVGVpVzVqWkVHaE5xa0hkY3VuZkhBU3RVOGpwT2wwZkdzMmRleHNSUTFLMXotMUJheG5ZRV95NDRkczIwMmFuNkZYNWNwOEhwaG03Rzk1N1E2Y2llU2g1M3VqQ0Vzd2VOcGhPU2QyWkhuWWMwQ3pQWDZYYUozMWxnVVcwYUZyRENn?oc=5) · Delco Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=120 (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/56.json (key "120", 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=120
- 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