# ADVANCED FINANCIAL
NEW PROVIDENCE, NJ · NCUA charter 16785 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/advanced-financial-16785

Who the members are: federal charter, community charter, organized 1965, low-income designated. 6,393 members of 1,352,700 potential (0.5% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $108.5M |
| Members | 6,393 (-3.8% YoY) |
| Full-time staff | 24 |
| Net worth | $16.9M |
| Net worth ratio | 15.6% (p85 of band) |
| ROA (annualized) | 0.15% (p16 of band) |
| Total delinquency | 1.94% (p93 of band) |
| Net charge-offs (annualized) | 0.24% (p37 of band) |
| Loans / shares | 57% (p27 of band) |
| Cash / assets | 9.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.64% (p48 of band) |
| Operating expense / assets | 3.89% (p60 of band) |
| Vehicles % of loans | 8% (p5 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p34 of band) |
| Vehicle delinquency | 1.76% (p88 of band) |
| Vehicle NCO | 0.06% (p19 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 75% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 26% |
| Average share balance | $8,440 |
| Participations bought / yr | $480,740 |
| Participations sold / yr | $230,684 |
| Participations outstanding | $2.3M |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $27,591 |
| Loans granted, annualized | $24.2M |

## Participation posture (from the same filings)

Bought $480,740 and sold $230,684 in the latest annualized quarter; $2.3M outstanding purchased (13.7% of net worth), $27,765 sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares -0.8% year over year.

## Flags firing in the latest filing

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

## Warning timeline

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

## 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
- 2025-04-02 [XCEL Federal Credit Union Successfully Launches Mahalo’s Thoughtful Banking® Platform - Business Wire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPVHlKUXhzUWU5YVBhZzE5c1FNYktvMDdFVTlSc2Z6aFRTeGpHdkY5N2xiOUhMTTdyMDBxREtzTWJReVR0SzBHTjFJSy0tYmJvQWNvczg1WkZZRzB6bW9BZDVsenI0RDk1UERubjhMOTVoeHlnSmwzeFRrYlFUSlMxeXBYSnlOSzlLY1VEbHhick03TlNOTjVIY1lDaHp4LUszdlZmMExoYmVsZ1ZVcll3a1N4eEJRZFZTQnJBZHRidEozdkdPZDN0NHZEZmJUVDMzMUhDREZTNA?oc=5) · Business Wire
- 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
- 2020-08-11 [Best High-Interest Checking Accounts for September 2026—Up to 6.75% - Investopedia](https://news.google.com/rss/articles/CBMiekFVX3lxTE5sbV9PR1lIQXpkZk5LaFp0Qm4xVi1rcDZ3UElaMkJpMV9TZzdqdzBSWldMZEFTMldQbnZ6b1pKRTNNeE5nb01EQmZZWmE3SjB4TnRLWmhRbjdXazZYc2NJS2E2V0JiWkVTOTlNNDlZcTViWDlFMGp5SlhB?oc=5) · Investopedia
- 2025-04-11 [LIQUIDATION NOTICES: Creditors Voluntary Winding-Up – March 2025 - Credit Connect](https://news.google.com/rss/articles/CBMiogFBVV95cUxPNktGMjBqMDY3bFlmRGxGMWNISVAteXRtV3pCSENYNlZReVFZa01tTDZELU0tTUNMbWNiaENWTW1HWFNmNGNNM3phSFpuckJZUS1yZ0ZIS01FdjRKWlh1SVdKc1ZBYUdndlhnRU82YWJnYTZpYmlYUU9ZTWZtU3lUVGhBdWtwNkFZODNaTWVfV1dZMEVaZFpNRDBYQVhwN0M3WXc?oc=5) · Credit Connect

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16785 (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/17.json (key "16785", 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=16785
- 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