# CAMPBELL
Maple Shade, NJ · NCUA charter 2141 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/campbell-2141

Who the members are: federal charter, multiple common bond, organized 1937. 10,700 members of 1,895,516 potential (0.6% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 90.

**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 | $140.7M |
| Members | 10,700 (-0.8% YoY) |
| Full-time staff | 18 |
| Net worth | $19.9M |
| Net worth ratio | 14.1% (p77 of band) |
| ROA (annualized) | 0.04% (p11 of band) |
| Total delinquency | 1.01% (p73 of band) |
| Net charge-offs (annualized) | 0.49% (p65 of band) |
| Loans / shares | 48% (p15 of band) |
| Cash / assets | 20.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.15% (p21 of band) |
| Operating expense / assets | 3.29% (p36 of band) |
| Vehicles % of loans | 33% (p43 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.52% (p49 of band) |
| Vehicle NCO | 0.04% (p18 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 50% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 0% |
| Average share balance | $7,739 |
| Participations bought / yr | $954,052 |
| Participations sold / yr | $155,036 |
| Participations outstanding | $14.4M |
| Loans outstanding per 100 members | 90% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $6,060 |
| Loans granted, annualized | $14.5M |

## Participation posture (from the same filings)

Bought $954,052 and sold $155,036 in the latest annualized quarter; $14.4M outstanding purchased (72.3% of net worth), $111,919 sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares -4.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

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

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

- 2026-03-17 [Don’t let Pennsylvania legislators turn your credit card swipe into a checkout nightmare | Opinion - PennLive.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQLXRNVEVoZzQ1Q1drSHNsYXVhek4xU05hMG1LSlFKYW9XazBEU0U5Y3dRNlhUdDl0ek1OYnB6bGpaMWdDNjEzaE90c2NTSk80MHdMVTdDV0tGQ28wdHdiOTQyQUVXSFozSG44LTVhQmhEbzBSM0piWnVIeC00Uml1d29TM2tuN0U1TWl3WkVMWHdjRzFmYnRQcmp4Z2JaY19BZW5KMEdpbFMwMm1XY0ZMZGZkclpZdU1Hc3c4X09XNWxCSGxhR095WDEwSW5Db0t4VU5RcmJJdUE?oc=5) · PennLive.com
- 2026-01-27 [Troop C Log: The Latest Connecticut State Police Arrests In Tolland County - Patch](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPSDZNR0FTRVc0OU03MU54cFFxZHhDclFVODVFSDlGOHRjRDNQV08zMmwteVdjZURIblRobXplSHlKVmJjd01wTTFxN0h3aHl5cEw1TTBSODlmVGNWYTlQSXdpdTM4V0hPNzEtcnJBWVhXUU1VY3BpZDFfYV9GUXctNHRvZUpJNjhrcExobEhpNzFZN2Rlb3E3d242dXVSR0hueWk1UTVtTWxYQjA?oc=5) · Patch
- 2025-03-27 [William C. Campbell Obituary Mar 27, 2025 - Henry Funeral Home & Cremation Center](https://news.google.com/rss/articles/CBMibEFVX3lxTE10cVd0SVRlWGd4UVZaYkh1ZmtuR1VKenZmSHVYRmRfTXNkVWg2dC1XWk1VYUdNZnhNc21aV0toelVQSEp4R2J4My1HNGNlWDZpM3NqdWtJb1Jrck01Zy1HMXhGS2Vxekd1Q3JBaA?oc=5) · Henry Funeral Home & Cremation Center
- 2023-08-07 [Otwell "Warren" O'Keefe Obituary Aug 7, 2023 - Schnider Funeral Home](https://news.google.com/rss/articles/CBMidkFVX3lxTE53NE5VRTI0Vkl3N2ZQM0gyYVZlSS1vUEZ4VVVwbXVWc1p3Yl9XWU1sTEFSZmh1RTZpTEl3TThtVzdZcktDdk1xdFFSdG1CbG9hLWFncTBuVHB5V0ozMkJVRlpIaFJoNkdxNlNoMFIya2Rucmw5WkE?oc=5) · Schnider Funeral Home
- 2021-10-02 [Benni Schneider Obituary (2017) - Phillipsburg, NJ - Lehighvalleylive.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPbmFGaWxnZWJSQ0xjeTZfUGZUNlh5dEkzUjY2NmZoY1I2THBnWlpWbnI4U0pPWDluYjRrUFVNRVBTZFdTc1VfZDFWVEhxa1RNMjZxQUtjUE5NQmc4MHo3dERqQWFQYVlfYkVyYjZqRTFSbXZWVDZjWWxRTkRzdDlDOXROZmJmRHdqbnM4MWhCRklBRk4yejlNNnVyOA?oc=5) · Lehighvalleylive.com
- 2024-02-19 [Charles E. John Jr. Obituary (2024) - Mount Laurel, NJ - Mount Laurel Home for Funerals & Cremation Services, Inc. - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQdUNJWTExUHl0WFF2b1NPdWpqdkxOaFZHTEQ5eGNDMjFKNVVDNkRGYTE0QnEwYTlQS01ZZjJyMWctS3NiRmlMRTVDblh1cnVZMngwZ1E0anVpbld4XzQ4eXhOcHliMnY4bDJPNUtYamxkOHp4RmNnc09mTlFkX1dvdQ?oc=5) · legacy.com
- 2018-09-05 [Just Sold: New owner takes charge at Lutsen Resort - Finance & Commerce](https://news.google.com/rss/articles/CBMikAFBVV95cUxNcWRydkVqV1VDLU1saGVwSmRzVjg5U2lpbThoVlRLNVhnb2p3bFBSS25HcFJUeEE4Qm96S253LV9CVm41Q0d2TXR4U0k5MDZwSWJMMmtWLVlnU3NnMVgyNDQtbUxLZTBET1NabjhyWVJVX3lUSUpRMWozQkIyZHVjc3B0VGRVa2lCS0cyQ2k2dzA?oc=5) · Finance & Commerce
- 2015-06-23 [Eddie Trunk Official Website - Eddie Trunk](https://news.google.com/rss/articles/CBMixAFBVV95cUxNaXdiakNZOG9vcGlFRVJtX0h5RHZ0MVN5clJYUHEwTHl0QjZmXzRXeDV0cXMxdndDTUJIWGRmbUZkVV9Rakh5ajF6NlFRZHczeUV1SmxRNHZmS0NtOTNHNFNBUmhnM2pOUUVIeVJoeU00bEJoRF9mek9kZWtMNGVIYzZVYnBWbldoXzFjTHRDdHhOMW5CMnRsYUpockNsZlJRX0RfMFUyRjFNUG9JbG9KUjhSQUhzV2l3S3BJaDdOSEFHamlO?oc=5) · Eddie Trunk

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2141 (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/29.json (key "2141", 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=2141
- 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