# BAKER
Phillipsburg, NJ · NCUA charter 14127 · asset band <$50M · latest filing 2022-03 · stopped filing after 2022-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/baker-14127

Who the members are: federal charter, multiple common bond, organized 1961. 3,958 members of 50,000 potential (7.9% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *stressed*. Composite score 10 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $43.6M |
| Members | 3,958 (-6.9% YoY) |
| Full-time staff | 8 |
| Net worth | $1.6M |
| Net worth ratio | 3.6% (p0 of band) |
| ROA (annualized) | -6.34% (p1 of band) |
| Total delinquency | 0.92% (p70 of band) |
| Net charge-offs (annualized) | 0.19% (p74 of band) |
| Loans / shares | 31% (p23 of band) |
| Cash / assets | 65.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.73% (p24 of band) |
| Operating expense / assets | 9.01% (p98 of band) |
| Vehicles % of loans | 49% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.09% (p45 of band) |
| Vehicle NCO | 0.14% (p83 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 2% |
| Average share balance | $5,538 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $10,409 |
| Loans granted, annualized | $3.9M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, losing money, expense trap, delinquency 2x band |  |
| 2016-06 | 6 | capital below 7%, auto monoline | expense trap |
| 2016-09 | 5 | expense trap | capital below 7% |
| 2016-12 | 5 |  |  |
| 2017-03 | 4 | net worth falling | losing money, expense trap |
| 2017-06 | 8 | capital below 7%, losing money, charge-offs p90 |  |
| 2017-09 | 7 |  | net worth falling |
| 2017-12 | 6 |  | delinquency 2x band |
| 2018-03 | 5 |  | charge-offs p90 |
| 2018-06 | 4 | charge-offs p90 | auto monoline, losing money |
| 2018-09 | 5 | losing money, assets shrinking, loan book shrinking | capital below 7% |
| 2018-12 | 7 | capital below 7% |  |
| 2019-03 | 7 | net worth falling | losing money |
| 2019-06 | 7 | delinquency rising | net worth falling |
| 2019-09 | 6 | margin squeeze | assets shrinking, delinquency rising |
| 2019-12 | 7 | members leaving |  |
| 2020-03 | 9 | net worth falling, delinquency rising |  |
| 2020-06 | 7 |  | charge-offs p90, delinquency rising |
| 2020-09 | 8 | losing money |  |
| 2020-12 | 10 | delinquency 2x band, delinquency rising |  |
| 2021-03 | 7 |  | net worth falling, losing money, delinquency rising |
| 2021-06 | 8 | delinquency rising |  |
| 2021-09 | 7 |  | delinquency rising |
| 2021-12 | 7 |  |  |
| 2022-03 | 10 | net worth falling, losing money, expense trap |  |

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

- 2026-07-31 [Kerrville's bank boom continues: Security Service Federal Credit Union eyes former IHOP site - The Kerr County Lead](https://news.google.com/rss/articles/CBMiugFBVV95cUxNbVJyMl9qSE5SYVE3SV84TTFTelEwVG9zWHU5RkVsX2FKSWRwV3BNLW1yV0xZS0l1WFFGUWFNLXhUMXJ5dHhIczlPMEpIVV9UbmZpd3dxZTFzaE5WdU1wV09EbVN5OC1OWEtzSWE4RE94bmwwUXAteTdaUHBKTVpEVm9KNjhKQlUyOEdmeVhmMjJrTWRocHBLcjV5bFVteVFrRTZ3bUFoejlxZW9kdmJGU25GLW5XclFNM0E?oc=5) · The Kerr County Lead
- 2026-03-12 [Live Nation employee calls customers ‘so stupid' in messages released in court case - nbcwashington.com](https://news.google.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?oc=5) · nbcwashington.com
- 2026-02-17 [Thieves Steal Car, Target Westfield Home - Patch](https://news.google.com/rss/articles/CBMihAFBVV95cUxQTFctTnpZUXdKaDd1N2k3OXlZbTMyb3NySGZ2ZndndDZSeklrclVmbTJua21vTk5KenV2c0FUcUZ1ajlDanlpblJ1dW1Pc3Jrd1hlOTZHdFZacktqT0VDVkNVUmVERjVpZjdFVF9XMU9vaXl2TFd0UVZsX21TZ1Vqby1vNWk?oc=5) · Patch
- 2026-07-11 [Cool and Crunchy Sweetness: Cookies N’ Cream Celebrates Westfield Grand Opening - TAPinto](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPZDNOckhlLVZJWnVuWmVTMWE1MmlDYzU0aHFOUUREc2hrY3FfRkpzcUZhaHV4eVhsWVZGTmxGUkV5TnpfRjRnNk81cjVSQnczaEtiOVpYMmZPWnRlaEdDSzNDbW51RXE0TVBUQ0FJenFTNGZYZkVoNFk0NTdxYmZyZEJZMkVfdXk3RVI5eUlNdVYwN1RaaTliSnpmRXdPOEREX0xaMWdabk5rek1XRXJBa1YyR0hNTldrNGYwaUY1TjF3Z0dsYXo1STdHTUttNjR2aENuSkg4TWQ3Q2lDSUVRN2F3c3Q?oc=5) · TAPinto
- 2026-06-26 [Arble Baking Co. Will Join Murray Hill Branch of Community First Credit Union - WhatNow](https://news.google.com/rss/articles/CBMivwFBVV95cUxPZExMb1FpS0w4WHpJLUhuY3J3RGg4aU1hdGlfNHZUUWk4aGlMSkdzM1I0aVkzUFRwNDdrT2xISkQzWkFKNkZaV21pb1RCSTJERElJcVNjZlZnSzVIOU5QcGFhN3B6TkVkOS1QbWJEdmVZZmtIMVdKRHk3TUs5YzE5aGlCR0taYjR0SzVTdXBPRURjZjlQREh3WmMzb2dqS0xkREZxSHRPUHlqTE5JNTJCQjFFN011UGJxb1NPQWFpRQ?oc=5) · WhatNow
- 2023-02-27 [NCUA Approves New Cyber Incident Reporting Requirements: What Credit Unions Need to Know - Baker Donelson](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQYldEaUpBWVlWaHVNamV0UU1kdEVjY0Fwb3FVcUFTNHZERXR2QUU2X1VwZ1F3aUJsLUNSc0JHMjk5TXhHQmpYTnR1ejM5RzRwOS1NNmhCT3l4cE54Skh2OEIyYWhibU9IaEFkR1Q1SVZBemhmdWV2UkxCYkFGaGJ2NmZaZG1oN1ZiSVowbDBQbGZpdE9vai1qdkI5TF9UODA3ZG5fdExRdVAxakhuZWxWYzA3WEVBdEt1?oc=5) · Baker Donelson
- 2026-03-16 [Avenged Sevenfold announce one-off stadium gig with Good Charlotte and A Day To Remember - kerrang.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxOcVBVaXEzbU9mM3Q5S2ZSNUNrd0FtQnFYR2lOal9Yc00zdlNTNHlNT01oM1dEZlNkNEkzRXpkNDE1cEJqV3ZmVmRPdUE4S1dUYTktODRVbWZYYmtoTDJYbTJKSEtRNVFwOFI2VVBVMTBpRkt2a2NRMUpWVHFhWXJOX3J3MVlMWFdMbDI2WkY3alhZQ2s4eHVwbGgzUWVBaGZ5Z1dzQzZPV0VtV1VpMWZ6RnhGbw?oc=5) · kerrang.com
- 2013-11-20 [Texas Trust Credit Union signs on as major sponsor of UTA Athletics - University of Texas Arlington Athletics](https://news.google.com/rss/articles/CBMipgFBVV95cUxOdXB4V0NyMklmSjNic2NNeDBkQ3AxLVVNS2E5LXY4NWM2RS00NWRMU0w4S2tQZ1dEUXYtSXdtb3ZPRzlzYlpTUGY5YWZTM1FQeDB5ODc5elhNMVNSYWhneEktZWl6ZWJzY0hyMTFQLXF6enNPcm5tazZXYnZHWDJaWTMzaHNGSHJzeFFuTzVmbkc2M3NPa3VERHN1cVFkd0tsZ2t1aEFn?oc=5) · University of Texas Arlington Athletics

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14127 (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/47.json (key "14127", 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=14127
- 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.

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