# FORT DIX
Joint Base MDL, NJ · NCUA charter 15513 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fort-dix-15513

Who the members are: federal charter, military (single sponsor), organized 1963, low-income designated, minority depository institution. 533 members of 1,200 potential (44.4% of the field); checking penetration 22% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $7.3M |
| Members | 533 (-3.3% YoY) |
| Full-time staff | 3 |
| Net worth | $777,601 |
| Net worth ratio | 10.7% (p21 of band) |
| ROA (annualized) | 0.41% (p42 of band) |
| Total delinquency | 6.22% (p95 of band) |
| Net charge-offs (annualized) | 0.03% (p53 of band) |
| Loans / shares | 26% (p10 of band) |
| Cash / assets | 40.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.80% (p47 of band) |
| Operating expense / assets | 3.34% (p42 of band) |
| Vehicles % of loans | 47% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 7.64% (p97 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 47% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $8,753 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $8,625 |
| Loans granted, annualized | $606,020 |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling, delinquency 2x band | charge-offs p90 |
| 2016-12 | 3 | losing money |  |
| 2017-03 | 1 |  | delinquency 2x band, losing money |
| 2017-06 | 1 | losing money | net worth falling |
| 2017-09 | 2 | delinquency 2x band |  |
| 2017-12 | 6 | net worth falling, delinquency rising, assets shrinking, members leaving |  |
| 2018-03 | 5 | loan book shrinking | losing money, net worth falling |
| 2018-06 | 7 | losing money, charge-offs p90 |  |
| 2018-09 | 7 |  |  |
| 2018-12 | 6 |  | delinquency rising |
| 2019-03 | 6 |  |  |
| 2019-06 | 6 |  |  |
| 2019-09 | 6 |  |  |
| 2019-12 | 5 |  | loan book shrinking |
| 2020-03 | 4 |  | losing money |
| 2020-06 | 5 | net worth falling, losing money | assets shrinking |
| 2020-09 | 5 | loan book shrinking | net worth falling |
| 2020-12 | 4 | margin squeeze | charge-offs p90, losing money |
| 2021-03 | 5 | losing money |  |
| 2021-06 | 6 | charge-offs p90 |  |
| 2021-09 | 6 |  |  |
| 2021-12 | 6 | assets shrinking | delinquency 2x band |
| 2022-03 | 6 | net worth falling, delinquency 2x band | margin squeeze, charge-offs p90 |
| 2022-06 | 5 | delinquency rising | loan book shrinking, assets shrinking |
| 2022-09 | 3 |  | members leaving, delinquency rising |
| 2022-12 | 5 | expense trap, delinquency rising, members leaving | delinquency 2x band |
| 2023-03 | 2 |  | net worth falling, expense trap, delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | assets shrinking | losing money |
| 2023-12 | 1 |  | members leaving |
| 2024-03 | 2 | members leaving |  |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 1 |  | assets shrinking, delinquency rising |
| 2024-12 | 3 | net worth falling, delinquency rising |  |
| 2025-03 | 5 | delinquency 2x band, charge-offs p90 |  |
| 2025-06 | 3 |  | net worth falling, charge-offs p90 |
| 2025-09 | 2 |  | members leaving |
| 2025-12 | 4 | net worth falling, charge-offs p90 |  |
| 2026-03 | 3 | members leaving | net worth falling, charge-offs p90 |

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

- 2016-11-23 [Judge: Leo A. Glodzik won’t have choice of federal prisons - Times Leader](https://news.google.com/rss/articles/CBMimwFBVV95cUxNV0wyYUJKblAwZE9RMUxwVDJGT0N3MTZ0Zl9QVlZ0X0lUZTN0ZFVpUkJ3TzQwMTFQTmg3WHlLWXNrWGE4S0FTbUdnTGxHdFRjLTNqRzMzdy1RNFlra1M4VlVQTkdVS050ZzRtd1JKUzUySHZrcFdOTkNZZHllTG8tckdwMDdJeC1yVEVvTDJDWHBFRzhoa0ZhZmpmNA?oc=5) · Times Leader
- 2024-06-03 [Melvin Packard Obituary - PA - The Morning Call](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5hbzFvSTd5bmIzaVpMSmx2QXQySDFQelBzYVJzNC1MTlJmeUxUZ0JCSUJMT05fb2lNcDlLUTdORUU0VEZYMTZjb3ZfMWdsNy1kNUNoR3ZaQmdOVl82dk9uUTZsNA?oc=5) · The Morning Call
- 2026-03-06 [RED Friday: Bronze Stars only hint at Pelham vet's heroism, sacrifice - Seacoastonline.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxQcFVQZ2NBa0pFUWVXZy1PQ3ppWkxsWExoUXlsOG50SUtycFJPMmVXRmFPTHBwMXB5MEpjUmc3WnNfMU1NZ2hrSENoQ0lCZTJyLWlhNTVNdUZPVmxnSjQzeTE1QzdOVm9ZQ3dWV3J6cTFwUWgyVVktM3VDU2ZmWVp2WXdvSjVXcXNnTTlyYlY0NXhTUWItd2pfSjRJcnl1Ym1wNV9oOW5ES21yZmYxTDdwWHpMRkhfaklBWVFUcFJGaXE3MmRJ?oc=5) · Seacoastonline.com
- 2011-06-22 [Daniel Watson Obituary Jun 22, 2011 - Fogelsanger-Bricker Funeral Home and Crematorium, Inc.](https://news.google.com/rss/articles/CBMie0FVX3lxTE1LX19rM0ZkM0JKck5RbXU1S09ZSkszWUhaSm5uVmI2QVNkcThMS3U3WHllOXlsQ2tWTkdSVmNxX1RMc0F3SWRmTVV0Y3V5Y3hyOFQ0TG5jcDRiMExWOHMtSnBVUzMxYU1yLUlKX2dwUDNWUDMzNWRFLVdvMA?oc=5) · Fogelsanger-Bricker Funeral Home and Crematorium, Inc.
- 2025-10-31 [Sean "Diddy" Combs Sent To Federal Prison In New Jersey - CelebrityAccess](https://news.google.com/rss/articles/CBMimAFBVV95cUxNVmlPbHJTR3gwRkI1NTRXcjhsZmlzODF2eWstRUpwMXJHRzVMTXJFQ1lxVXBfQVNud2JybGxsVXZRcVlkV2FzRjVkdnlkdDNLeTBiYnZweUhucGIxbU44eG5ONUdQVVJZVUxGREFzV1hMUnczMEUyM0xzZ1Z2YV9VenhCU0N6X1VjTXo5Z0Q1TUtXdEQ5WnVYcw?oc=5) · CelebrityAccess
- 2023-07-08 [John O'Connor Obituary (2021) - Manchester, NH - Lambert Funeral Home & Crematory - Manchester - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOUjNoOE5qTGJoc2NNMkZiMVRkV0dtc0FFem5kaWtvQjUtV2tyQlZzbzdERG5xSkFISmR6VU1JTDdwdkRBMEU3MTZid1ZNRk80R01xWm1TT0FUVHRET0lZbkhGU1MwdEZmQTZFNC11NU9LNENaZGxXS2EwWHhkakJSdEtKcTg?oc=5) · legacy.com
- 2018-04-05 [Ex-towing operator transferred to halfway house from federal prison - Times Leader](https://news.google.com/rss/articles/CBMiswFBVV95cUxQcGVManh2TVJocjl5eXQ3WUVSOHJQMm5mSFg4QlN3RE5rRnc1RExNRi1VZU9GOGZpc3ZhYVJmRFBuNzlzT3lnZnJIaEVhRGNYeVhHVlRFRERHV29GM3liSllKWGRBNHZjaW1GLVhObVExN2tna0twVUYxVWtrTXRDNDdrcGdYQWpXRWR4Y0gtdzZRS0JlY2ZuMG9MQ2hCZV9pV3A3NHA0MWpfMXdLcjdLejE5Zw?oc=5) · Times Leader
- 2026-05-08 ['Made me a better man': NH vet served as 'tunnel rat' before honor guard - Seacoastonline.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPaWhwOGFaZnR2RGtQVjZkNVkxQ1Z3c25xNl81Y01aTDd2MmZZajhxMUIxdXEweFkwZmwwc2Vqd000VWUzeGRSMFc3QzhYSC0tVEMweUpfSDljSTJJVENzb1E4dFowOFEybE9kbkV1RnF0dTQ3cl9yTVdDTGo4NHh0TE9IWXVrY0F5RzFmWDNaUk90RmxMTkQzdmlaNGlYU01oOFBvVFZlay1Fd2VaQVRaemV1REhFUG11Q25LQW5ad2M?oc=5) · Seacoastonline.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15513 (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/25.json (key "15513", 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=15513
- 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