# JERSEY SHORE
Northfield, NJ · NCUA charter 15483 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/jersey-shore-15483

Who the members are: federal charter, community charter, organized 1963. 16,123 members of 369,823 potential (4.4% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $247.1M |
| Members | 16,123 (-1.1% YoY) |
| Full-time staff | 52 |
| Net worth | $23.4M |
| Net worth ratio | 9.5% (p22 of band) |
| ROA (annualized) | 0.92% (p66 of band) |
| Total delinquency | 0.35% (p25 of band) |
| Net charge-offs (annualized) | 0.13% (p20 of band) |
| Loans / shares | 56% (p14 of band) |
| Cash / assets | 7.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.80% (p68 of band) |
| Operating expense / assets | 3.65% (p47 of band) |
| Vehicles % of loans | 24% (p31 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 35% |
| Third-party paper % of net worth | 47% (p40 of band) |
| Vehicle delinquency | 0.53% (p48 of band) |
| Vehicle NCO | 0.83% (p62 of band) |
| Repossessed % of vehicle book | 0.05% (p63 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 97% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 12% |
| Average share balance | $7,242 |
| Participations bought / yr | $0 |
| Participations sold / yr | $3.5M |
| Participations outstanding | $5.8M |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $23,441 |
| Loans granted, annualized | $46.2M |

## Participation posture (from the same filings)

Bought $0 and sold $3.5M in the latest annualized quarter; $5.8M outstanding purchased (24.9% of net worth), $1.5M sold and retained. Sold in 3 and bought in 0 of the last 8 quarters. Shares -0.3% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 2 | delinquency rising | members leaving |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 2 | members leaving | net worth falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | members leaving |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 5 | net worth falling, losing money, margin squeeze, delinquency rising |  |
| 2020-09 | 4 |  | delinquency rising |
| 2020-12 | 4 | delinquency 2x band | losing money |
| 2021-03 | 6 | capital below 7% |  |
| 2021-06 | 5 |  | margin squeeze |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 5 |  |  |
| 2022-06 | 3 |  | net worth falling, delinquency 2x band |
| 2022-09 | 1 |  | capital below 7% |
| 2022-12 | 2 | delinquency 2x band |  |
| 2023-03 | 3 | assets shrinking |  |
| 2023-06 | 2 |  | delinquency 2x band |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 1 |  | assets shrinking, delinquency rising |
| 2024-03 | 2 | delinquency 2x band |  |
| 2024-06 | 1 |  | delinquency 2x band |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | thin capital |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-05-18 [Jersey Shore visitors are feeling the heat, but not just at the beach. The trip is getting more expensive. - CBS News](https://news.google.com/rss/articles/CBMimwFBVV95cUxOU0NBaHBZczFYODJuMnFqamxBVFJ3NHdHUVVjb3FCSXRPR18weWd6SVhXSWg3ZU9yQ0oxVjgtSmd4TkJyZVB4c015TjVueElDYmUxckVCby14TjZPdFhTUDhERHg0YWV5MTZNemtLTnNVRkR2UFkwYUpEczFQMFFmR2loU3JVT3lmaUZJZjAzb3lSMENWOW45UWFFTQ?oc=5) · CBS News
- 2025-11-10 [Best of The Press: Jersey Shore Federal Credit Union - Press of Atlantic City](https://news.google.com/rss/articles/CBMipwFBVV95cUxPaWkzQWlISmlFX004SE1XZzlmMnFyamRFSFlmVHkxVVNxVzliSkE1THRpMEF5am54V1c0eUZENC03V255Z0I2aUJ3LVA5bHJZSDgwMTFCeWRLV3Ruc0lFdTN1Nll3Z0J6YzNrVmVYSDhzelR2djJRVXY5TXdYTXBhWWhFNlZ6U1JiSHFCQXdrMHNxdUZxbVA3Wk5zQXhqZmlfMjFScFdaVQ?oc=5) · Press of Atlantic City
- 2026-05-18 [Study finds Jersey Shore vacation costs rising sharply for summer 2026 - WRNJ Radio](https://news.google.com/rss/articles/CBMimAFBVV95cUxOdkh3VGhobWRvMHJEQ3g0Mk1TX1FmMXZQcnh5X1Y3UGxxeUt3dDVHS1BqOXFsU3F5X0NKZEp6UXo4aW1HVENYdzhDZG5sYXI2VnJMWVFwSmZKb3REX29EVzE3UFF2eWJoOUFaV3B2Sm45SFN4RXNXMGRKampXTjRPTG9JQ3hGbEkyemFrTklHeHFWU2tteEIzag?oc=5) · WRNJ Radio
- 2026-05-21 [Vacation Inflation: Prices at Jersey shore expected to be higher this summer - 6abc Philadelphia](https://news.google.com/rss/articles/CBMimAFBVV95cUxPRHNVSVdRTWxIUmxGd2NHc1M3bG1BT0t1bnRuUXprU2JYWV9LRUhIeTR4VDdTOWlpNUhkSzlSN2dUT3RDWHMwLUFZeEdOQzd1MFdjMko4MmJlZFRUNVlJejRNM21QOVVjNVNRcnN0ZnA0dXFnc1JEWlNMRm9Ic29WRW9SVFJNREp3TEswbGV6YzR3UUtVSjhMZ9IBngFBVV95cUxOTzBlWGlnS3BxTUV2blo5SHVtbTlqRVctSTVvSVNlOWlpZjZUd3I2T3MwamgtYllIRllMdGlnNDZtemRCX1UteC10ZHFyLUtldDhSOXd3YkpraUtWLTdTRENqVlRGbnNIZlVlU2ZLbEhZQkYyVHVhU0V4N1NFcTlDekVzd2tuZC1lVWZBTXM2WHJDaHZielNZdWlrWXg3dw?oc=5) · 6abc Philadelphia
- 2026-05-04 [Affinity Federal Credit Union Announces 2026 Wellbeing Awards Honorees - Business Wire](https://news.google.com/rss/articles/CBMixgFBVV95cUxOTHQxNXAxU2lPM2JPNFBVOGRvRWdTeGZMcHZocklPdWNaQy0xeHZ1bmlRVlZRQnc1YjdRR09uOXdsWTRwd0t3NnlQVzAzVVBZTVhuQXF0bHkyaTFySDh3WTN3ekJnajhUYW92VHJwZ2dGRUJmZnFKcnVtcndhWm9IMUdoV2pwdUdBRTNENkpJTVVoVGIzalR0cGJpbmVkZXJ6R2kxc05XX2ZnWkMtY0RERG1XeTJYZVVqaF9uSWt5VEl6dTZob0E?oc=5) · Business Wire
- 2026-05-21 [Jersey Shore vacation costs jump 11% for summer 2026 - NJBIZ](https://news.google.com/rss/articles/CBMiakFVX3lxTE0xOEZEUVBmX1JUaFRFVm9YcmJvbnREU1RiNU1SZ1NVR09XU2ljd3EwdFVGSnZGdFEyd1JJNlhWRmE5YW1LeUJYVzZDTmJkS0d6WmZGOXhVZlRjc2FnZ0haMkJXRFQtbWFUS2c?oc=5) · NJBIZ
- 2026-05-18 [Affinity research finds significant price increases expected for 2026 Jersey Shore vacationers - ROI-NJ](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQMU1yVFRibkY2VExNQTQ0UGVyNWtHbTFmQVNZX2pETHlkaGpsY2t6V2tvR0FHU1JxTXVNUG1SUTRxOVhlVGNnX2JxdHY5amVUUnFpUU96UWxkd1E3TUkxd04yYVV0aGVPcDBxTHRWc0YxZ3g1amlrRk14SHhuME1qck94VmNVWktfeXkyV045b1RvUzNaYzdiQXp2OTBtRVplenRsdmZzNlF6dk1Xb191OVV2cXpIX3FxZDBVX2dJazh1M3gxWnRFbzNTai1zZGJRbHJjbVFR?oc=5) · ROI-NJ
- 2026-05-20 [Jersey Shore Vacation Costs Expected To Rise This Summer Survey Finds - News12 | New Jersey](https://news.google.com/rss/articles/CBMinwFBVV95cUxNZVNmOW9qYlBTelVZUnBIaUtJeGp1X0lMWnh3Q0lQWFh4U3lldnE3a01FMUFCR2lYR210RmxvcTRtQ2xrdEpYZHZTZzdWN3FQWmJ6ZkR0NVVLYkcxeWYyVFJYQ2U3Rjk5aGZnU01zZ0NUWU5mN0V0aGdUVG4ydnBmUjRnQTVzMzVEYlQzdDJ4Q2pPOGVESU9qRUxld214VVE?oc=5) · News12 | New Jersey

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15483 (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/59.json (key "15483", 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=15483
- 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