# AUTOMATIC DATA PROCESSING
Roseland, NJ · NCUA charter 22488 · asset band $50-100M · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/automatic-data-processing-22488

Who the members are: federal charter, multiple common bond, organized 1976. 8,799 members of 40,000 potential (22.0% of the field); checking penetration 27% (share draft accounts per 100 members); loans per 100 members 23.

**Verdict on the desk:** this could be *ordinary*. 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 | $65.4M |
| Members | 8,799 (– YoY) |
| Full-time staff | 13 |
| Net worth | $6.3M |
| Net worth ratio | 9.6% (p33 of band) |
| ROA (annualized) | -0.17% (p8 of band) |
| Total delinquency | 1.24% (p69 of band) |
| Net charge-offs (annualized) | 0.18% (p27 of band) |
| Loans / shares | 37% (p8 of band) |
| Cash / assets | 5.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.16% (p11 of band) |
| Operating expense / assets | 2.96% (p29 of band) |
| Vehicles % of loans | 33% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p26 of band) |
| Vehicle delinquency | 0.34% (p31 of band) |
| Vehicle NCO | 0.00% (p5 of band) |
| Repossessed % of vehicle book | 0.00% (p33 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 12% |
| Average share balance | $4,493 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $10,940 |
| Loans granted, annualized | $8.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |

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

- 2021-12-03 [ADP Faces Class Action On Fees Attached to TotalPay Debit Cards - Top Class Actions](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQYzhUSEJrTUJLLUg0cWpJLWNIUWtzWVdiT3RkTkd2WkJndHdCSGJSZ3RIdV81VHJFZE0wd0ZEYXNpOVBLU3AweXF1SnpqVW1UQWxsR1AtaHhfaGp6ZGNJTzdURnA2TmM2T3lkdzVjb3RWMDBXeVdHelpXcVdiLUFBUzBMUFplWDgxU1gxMlhsb3h0Qk9ZWUdzbE40ekNRcjM3WXZ3RnFiaDl6MFdzMThyalFEZUxKVmJWM0hj?oc=5) · Top Class Actions
- 2025-11-08 [Joseph Acri Obituary (09/27/1948 - 11/03/2025) - Camp Hill, PA - PennLive.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNdXpIOFE1SWE1akU3LWt1SG01N1lGTUk5NVA4VmdlZDBMajl2MW9XSG9mcVJqbERUenpHVTN2VFJfV3BNLUNXUkcwTG4tVF9LeUZBUEhGS3M1MUgyM0oyZ2pCQXA3R3VMWUtNMjRvY2hCa1I3YkxEZlFRZnA3bHZOODVyWUFPN19OYW9IV1hOWmg?oc=5) · PennLive.com
- 2021-08-24 [Ben Perchik Presented with the Albert Nelson Marquis Lifetime Achievement Award by Marquis Who's Who - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPMzF6UDlrZ2ltWlNNOGRMdFh1aWtVTGNsM0I0eEVEZ3huQ1JWUVpCNWNBbk1XdVNsTGRIbUkzbUdzWDBINlVQdVFJSXVqNFlYT0pkYVlzWElGcUVOMFhzeTNqMS05MzRnV2hpcnl5S1o3QjMyVmdlalJiSVdFWXpLNUM0QXY0bU5JTVlwS1daS2lpbW9IcU5VTXducVdveWlVRjJGb3FZMTBnc2NKSTRELTBmTDVsaEpTenFzanl1aHJHZ2xTVGQxV1NnaEstYS1vejRfYVc2RDhZeVNaWWhqOTN5bVlsWWlR?oc=5) · 24-7 Press Release Newswire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22488 (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/24.json (key "22488", 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=22488
- 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