# NJ GATEWAY
Dayton, NJ · NCUA charter 19454 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/nj-gateway-19454

Who the members are: federal charter, community charter, organized 1969. 2,368 members of 809,858 potential (0.3% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 18.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $28.0M |
| Members | 2,368 (-1.9% YoY) |
| Full-time staff | 4 |
| Net worth | $2.7M |
| Net worth ratio | 9.7% (p14 of band) |
| ROA (annualized) | 0.45% (p44 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | -0.15% (p9 of band) |
| Loans / shares | 15% (p4 of band) |
| Cash / assets | 7.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.22% (p25 of band) |
| Operating expense / assets | 3.01% (p31 of band) |
| Vehicles % of loans | 25% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 8% (p90 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 12% |
| Average share balance | $6,809 |
| Participations bought / yr | $898,416 |
| Participations sold / yr | $0 |
| Participations outstanding | $224,604 |
| Loans outstanding per 100 members | 18% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $9,135 |
| Loans granted, annualized | $1.7M |

## Participation posture (from the same filings)

Bought $898,416 and sold $0 in the latest annualized quarter; $224,604 outstanding purchased (8.3% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares -0.8% year over year.

## Flags firing in the latest filing

- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 3 | losing money, charge-offs p90 |  |
| 2016-09 | 1 |  | delinquency 2x band, charge-offs p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | net worth falling | losing money |
| 2017-06 | 2 | delinquency 2x band, loan book shrinking | net worth falling |
| 2017-09 | 1 |  | loan book shrinking |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | assets shrinking | delinquency 2x band |
| 2018-06 | 0 |  | assets shrinking |
| 2018-09 | 1 | assets shrinking |  |
| 2018-12 | 0 |  | assets shrinking |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 1 | assets shrinking | net worth falling |
| 2019-09 | 1 | loan book shrinking | assets shrinking |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | assets shrinking |  |
| 2020-06 | 3 | net worth falling, margin squeeze | assets shrinking |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | losing money |  |
| 2021-03 | 3 |  | loan book shrinking |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | losing money |
| 2021-12 | 3 | losing money, loan book shrinking |  |
| 2022-03 | 2 | net worth falling | margin squeeze, loan book shrinking |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 4 | thin capital |  |
| 2023-03 | 2 |  | net worth falling, delinquency rising |
| 2023-06 | 2 | assets shrinking | thin capital |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 2 | net worth falling | losing money |
| 2025-06 | 0 |  | assets shrinking, net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | loan book shrinking |  |
| 2026-03 | 1 |  |  |

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

- 2025-09-09 [Alloya Elects Two New Board Members At Annual Meeting - cutoday.info](https://news.google.com/rss/articles/CBMilAFBVV95cUxPWC14YlJ6S3VndWIzcFhiY3RSV1gtQjZJRGtRMUpBLThWYnJpZEVkMzhIMk5xX3B1WEZpdHdTXzFIaHh6MnBlc09nTkVYUWtsNlpvNUM2T1JMblhZbkgtODktZzhPSUZlaUZFNEFTN1BDamwxdkpzRHhvTVFUQzJTNzdFaUM5ZE5LUFJiUDg5Smk1aHc0?oc=5) · cutoday.info
- 2026-02-26 [Behind the Industry's New Push to Elevate Small Credit Unions - CUTimes](https://news.google.com/rss/articles/CBMinAFBVV95cUxPeWcxTkJMNGtMWWY1NHdnLTVMb2NUcnZicGZidjBZZ3NFeEF5b1pKRGhaS2FLRkhZYlgxdTBYMzhFaUt2aW1hU0puUExqa2Fzd2VWajRWN1BrTURNTk00bURzcDA5dWNGcjNkX2lsSld5X3dTMXRCcHZDTDZ6dW5IWkl2dFppR193NndJN2FydlhzZl9ob2hUUkhaZjI?oc=5) · CUTimes
- 2026-07-31 [Deborah Sabine Rummell Obituary (1953 - 2026) - Greenville, SC - Post and Courier](https://news.google.com/rss/articles/CBMioAFBVV95cUxOWjgxR0E2bV9lZmRfZWVCSUt6TW96TXZwcUlpRFpjdkwxRmVueUpxVkxKMlkzdWo5eVZJaDg5WmtTdENycl9yTVFQOHFKNVhMWXBOZmFKTjRRVVFhcXFPMUs5WVAxZTk3OVVsNmp2eUd0VkV2SjZKOWlnRTFuUS00OEo2Skt4MWl6bmYtdUNCUWoyMldiMkFINzBmMS1JME4y?oc=5) · Post and Courier
- 2026-07-14 [Credit Unions in 9 States Appoint CEOs - CUTimes](https://news.google.com/rss/articles/CBMif0FVX3lxTE9OUTlrVVlkMVBqSGdHNFFlYkhialpxM3Boam5qWjJ0MFBxaUN2SE1kYU0zUlZvV1hNcTYyOTQ5cGNmUGtxQm9tUHNEU29lQ1Fnb1Fya1ZZcXdRdDdydzNjZlltZFVCWEtyVDJRWU1wQjZlVjE2ZjNaZzZvNFQ2MmM?oc=5) · CUTimes
- 2022-01-07 [Charles Conover Obituary (1933 - 2021) - Lawrenceville, NJ - The Times of Trenton - NJ.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOLUtCTFZtcUdzdXBjZjg2TVBxNnFMLWZnX21VOVJ2OUQyRUxmZ0J5d3BfVzNXUFFaWjVLZy02SzJPTVlmcXg5WnUzdy02Y1Bza1A5ZHJfWklHNHlpcWRpMi1yTXhyWkNlNjNTdkpmODEzX2l5WXdCTE9DTmwyc1RwajRFMFhVSWxsTUtmUg?oc=5) · NJ.com
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19454 (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/62.json (key "19454", 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=19454
- 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