# EDIFI
Rancocas, NJ · NCUA charter 12679 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/edifi-12679

Who the members are: federal charter, multiple common bond, organized 1958. 25,426 members of 1,100,000 potential (2.3% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $258.7M |
| Members | 25,426 (-3.4% YoY) |
| Full-time staff | 70 |
| Net worth | $23.6M |
| Net worth ratio | 9.1% (p17 of band) |
| ROA (annualized) | 0.05% (p8 of band) |
| Total delinquency | 0.51% (p42 of band) |
| Net charge-offs (annualized) | 0.45% (p55 of band) |
| Loans / shares | 53% (p10 of band) |
| Cash / assets | 33.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.58% (p52 of band) |
| Operating expense / assets | 5.30% (p96 of band) |
| Vehicles % of loans | 24% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.21% (p17 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 65% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 15% |
| Average share balance | $5,434 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $13.3M |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $14,261 |
| Loans granted, annualized | $36.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $13.3M outstanding purchased (56.4% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 3.4% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 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
- 2025-12-25 [New Jersey - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxNMndKSGI5ZV83Y2Y3THJ6ZjljMTYzbmVxRE5reTRoQmJsVnF6bVJ1QkUxdHFDemhCbjVaZ1FsM2tEMkpaUXNWb3ZjUk1fVU9QY1lXRDMzWEQxWF9TOE45N0hVUElXU0xNVjFMelpobksyZTJlTDdGd09tUnlIN2lYUGRkVHJJS1Q2eGJMLUZ6cFlrZw?oc=5) · Newsweek Rankings
- 2023-06-20 [Forbes 2026 America's Best Credit Unions In Each State List - Forbes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9vRWJOaE5OZ1NrY3RJeUZnWS1yRXkwMUYzYllJMTN3VEQxTWtwNHJGdC1FejkwVF9UT045OWFhQ0NSWmtzTHBJeXZFSFdydTNuc2VyT3BjUGRLcmlWLWhaVHNJUVZMRHNt?oc=5) · Forbes
- 2025-09-25 [Affinity Federal Credit Union donates 2,000 pounds of food to New Jersey food banks - WRNJ Radio](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPdEpxQ1lqd0Nyc0Qxb1l6LVhSOUROUThCeExRcV9FN0ptT0duaW1BdV82ZmU0dGRmMVpmZE5ZWlpvZjZmLWRVMjlidGxWdzNnTEdaUWs5aFVfM1NlYWFySnNLUndDaXVCMDd0cmJWenVnd0lZODdFTklEYmZkSHc5Z25YWms2X1dEMXhpcDBENVRJelBlQTJFSmdDZHJZcnBJWlJDNHgxbWQ?oc=5) · WRNJ Radio
- 2025-09-23 [Christena Day Stabler Obituary (2025) - Mount Holly, NJ - Perinchief Chapels - Mount Holly - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxQMlhET0RhZUxkR25QMnliemk3dG1wWWduWGFmQ0NlZEZzcy00NUNiMlEybW5VU0NUY3hhZTFVbTVVX1dseFpBeHd1dU9nRk9pd2RIMjZhMlN0NWR4NWxsY3IwOFhPVmZXWHRoTmNrcmZUZnlCV0NqYmFTVnFwaHNsenJ0QnlYcWs?oc=5) · legacy.com
- 2026-03-04 [18 N.J. banks acknowledged on Newsweek’s best regional banks list - ROI-NJ](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQWW15TXRoWXpYaTVtb3Q1dFluenVPOXRkWEU1cWIyNWpxWWRyQmthTnhjckVvWUxQN0MxVjI5bXhzLXA1d3BobHNtcjB3UkUwWmZINGxaSFZQSHh3VV84SjdWMzVfWl9JampFQlY3VC1qZWVzUHgyaktkdWVCeGZfM21CRXNiSVl6WnF5cmF6aWdTRXhiZUZRSnozWFRManFPX1hnOE1DRlM2dw?oc=5) · ROI-NJ

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12679 (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/7.json (key "12679", 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=12679
- 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