# MANVILLE AREA
MANVILLE, NJ · NCUA charter 2168 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/manville-area-2168

Who the members are: federal charter, community charter, organized 1937. 1,862 members of 15,000 potential (12.4% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 22.

**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 | $29.8M |
| Members | 1,862 (-1.3% YoY) |
| Full-time staff | 4 |
| Net worth | $3.5M |
| Net worth ratio | 11.8% (p29 of band) |
| ROA (annualized) | 0.16% (p30 of band) |
| Total delinquency | 0.01% (p18 of band) |
| Net charge-offs (annualized) | -0.01% (p21 of band) |
| Loans / shares | 59% (p51 of band) |
| Cash / assets | 47.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.03% (p20 of band) |
| Operating expense / assets | 3.10% (p34 of band) |
| Vehicles % of loans | 10% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 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 | 87% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 14% |
| Average share balance | $9,783 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $37,281 |
| Loans granted, annualized | $2.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## 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 | 2 | delinquency 2x band |  |
| 2018-03 | 1 | charge-offs p90 | assets shrinking, delinquency 2x band |
| 2018-06 | 1 | assets shrinking | charge-offs p90 |
| 2018-09 | 0 |  | assets shrinking |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 1 | assets shrinking |  |
| 2020-06 | 0 |  | assets shrinking |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 3 | delinquency rising |  |
| 2021-06 | 1 |  | net worth falling, delinquency rising |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | net worth falling | margin squeeze |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 1 |  | net worth falling |
| 2023-03 | 3 | delinquency 2x band, assets shrinking |  |
| 2023-06 | 3 | members leaving | delinquency 2x band |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 2 |  |  |
| 2024-06 | 0 |  | assets shrinking, members leaving |
| 2024-09 | 1 | assets shrinking |  |
| 2024-12 | 0 |  | assets shrinking |
| 2025-03 | 2 | net worth falling, losing money |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling, delinquency rising | losing money |

## 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
- 2024-03-21 [Yellow Bag Day returns April 6 - The Valley Breeze](https://news.google.com/rss/articles/CBMitAFBVV95cUxPQnJUTFNxcEhUcWZQSXB2ZmNCM193RHZ5MnVaWEoxMUdwdEtjQkVwbHB4Z3dMaE1IaE9jeGFab0dubDlhVGptOVkzS1YySmdpZmJVNDQwVE5SWHluM3lfOVg5cjd1MW1WYkgzT0FRaWpCVVVDaVlhdHp6Zy13ZlJqUk1tZ2N0QXJwY2JXaDdUS283VmhyVnNDZGJuUjZYQ0RNTHhOU0Jkak1QNVJ5TVBmUG5xS1I?oc=5) · The Valley Breeze
- 2016-11-08 [Man admits bank robbery spree, faces lengthy sentence - NJ.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNeWFkN3VRUU5wOWEtMXI2VUpoSU5ZeWhhZUhLSC1rMmJwQzZ3eXg1T2Q1NXlZRUpENkIyR2Q0aTViREdqUFh6V3dITHdQNTY3XzNYTkowWk4tRkloOFdYRlp1Ul9WM3lxalBzUWhoLU84TkEwa096NThzSDFQWXQ1bHFPbWw0R3pXdnc?oc=5) · NJ.com
- 2019-11-26 [Samuel Umbriac Obituary (1931 - 2019) - Manville, NJ - MyCentralJersey - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPV0ZJaHluTS1kb2xQOWNxYlg0U1pQT2JXWmFCVHV2VHhxRk1HWFNJRmtGNnFzNHoxZWdYcFRjSWtzaVUxLVBneXV5ZVpYSC1PZzVZcHJ4RjVJZlVxTk04OWpYb085eXg1S1c3eEIzeFFUaDdFUU9ZSG5qVnkwcUk1VHdGRHVvQVBZc0I1Q0g0ME9qNnRtNUUw?oc=5) · legacy.com
- 2016-11-07 [Bound Brook Man Admits Robbing Five Bank Robberies, One Attempted Bank Robbery - RLS Media](https://news.google.com/rss/articles/CBMiS0FVX3lxTE1uY2ZBX3FkVG5oclp4X2YyQ0JiY1YzalJiX1AxZEI4MUxGWUdSdTF5aFlBTGZLTG8wXzZGcllTY1VqTDhvNUxfaGhNNA?oc=5) · RLS Media
- 2013-07-07 [Edwina Schurick Obituary (2013) - 74, Somerset, NJ - Asbury Park Press - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNZHB1N2gwblo0eXF1c1l5enNnVmNKVHBtNFQyUkN2R2hRTkhENFg1VnVUeDMtbE9iaFNzV21sanJHZkw4SGN5cU1YdzNIQnpQcFpKcXVMVnB4cGhIX1BfdkpmYWNZV1NiMGl0RDBmOXplcHhaYklhOGJzckJvVU9BMDlXNGNnbjYzcVE?oc=5) · legacy.com
- 2015-11-19 [Barbara Demchak Obituary (2015) - Manville, NJ - MyCentralJersey - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPU0pOUUgyVjdiWVo1M3RLSW5zT0J2UHh2cWZFaEVzazJIWFRpZmQ1bnhZQmpIb0hzWVp0N3ZXOThGem9lSGZNY0NkbGtfYzF0X2M1MmhFZUlJNU9GNnlHaUZlWU5fRGtaTDFLaldaZUI3SThmUlFYWVNTRDhEeHRkeUQ5VXpsZUF1b09WaUJMZEJ3WkR3a0VzZmx3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2168 (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/56.json (key "2168", 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=2168
- 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