# F. C.
CHERRY HILL, NJ · NCUA charter 22510 · asset band <$50M · latest filing 2018-09 · stopped filing after 2018-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/f-c-22510

Who the members are: federal charter, associational, organized 1976. 77 members of 77 potential (100.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 1.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $803,289 |
| Members | 77 (-23.0% YoY) |
| Full-time staff | 0 |
| Net worth | $293,461 |
| Net worth ratio | 36.5% (p98 of band) |
| ROA (annualized) | 5.69% (p100 of band) |
| Total delinquency | 0.00% (p6 of band) |
| Net charge-offs (annualized) | 0.00% (p20 of band) |
| Loans / shares | 1% (p0 of band) |
| Cash / assets | 98.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 0.34% (p0 of band) |
| Operating expense / assets | 3.12% (p42 of band) |
| Vehicles % of loans | 100% (p100 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 0.00% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $6,621 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 1% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $4,641 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 4 | assets shrinking, members leaving, loan book shrinking |  |
| 2017-06 | 5 | net worth falling, auto monoline | assets shrinking |
| 2017-09 | 4 |  | auto monoline |
| 2017-12 | 4 | auto monoline | net worth falling |
| 2018-03 | 6 | margin squeeze, assets shrinking |  |
| 2018-06 | 6 |  |  |
| 2018-09 | 4 |  | losing money, margin squeeze |

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

- 2026-09-05 [America First Credit Union | Changemakers – Alivia Lorensen - Real Salt Lake](https://news.google.com/rss/articles/CBMilgFBVV95cUxQSG45WDBueVRnZEY0dDFoMnFIX2dNVUtzWDVWVTRhaDZKdG5NM1N4SVVNV0lCT2x3SzdQUnladGxBQklzWXA3b2ZXTzdSc0FPMTRNTUh0anJIb1pNWnp1WkVfckNrb0xmZXZrMXBvTWVYbXJ4c3d3X0FCclc4TmFBamZraHlZbWNUNUR4WS1KOHVpeHpKZ1E?oc=5) · Real Salt Lake
- 2026-08-13 [Match Preview: Kansas City Current Squares Off With Gotham FC on Friday Night - Kansas City Current](https://news.google.com/rss/articles/CBMioAFBVV95cUxQaXFydjE1czBQQlZyUXA3aml4bzhJRHZCYTQ5czhEYldVTFZhNlJWLWxFNVZzOUx1MTVlSGtneW5hcE9BbEQtVVJKbGEyTWViNmJBUXBkSlRTbVRndlBnQ1RvQ0F6QWNldHM5WVo2UWEyY3BFUUdRVmxZZjIyaWhvWHJZVTNhMnpUS3RsTTJnSTJJcEFramNIUHhmRkc2TUQw?oc=5) · Kansas City Current
- 2026-06-05 [Heated Rivalry: United takes on Phoenix Rising FC on Pride Night - New Mexico United](https://news.google.com/rss/articles/CBMimgFBVV95cUxPR0JZNjNfaU9hcXc5Um5FNHI4RGNBdzZjUHRrRGlWU3MzSWc5aGVHVGJZWWg2ZTJPSXZ0bEJ3V1IxSWpZTzBtcTBfUWY4WVFRU19JSEVVcVV3MWt5TE1XRUlvNlU5WTdSVWtlSlBTTFMwemZxWjN3NjVTdEF3ME9XclY1QTJsaDY4Xy1UM0hNU0xPbW4wVUVmLVRn?oc=5) · New Mexico United
- 2023-03-18 [San Diego Wave and PenFed Credit Union Announce Multi-Year Partnership - San Diego Wave Fútbol Club](https://news.google.com/rss/articles/CBMiowFBVV95cUxNcWRCQmlZMTZCNnFDZXFROTNrQmpELXN0R0VmQVpHXzR3UFhoaHBlU20wdG9mU3dsN0pGcC1rRzU2MXpXXzZGYzUtdVk0d2l2RkJsNVFaTDlMUVhlWXhYaVo0X01IR1Y1NzRaN2haWmQ5SkRaNkhTTVV0OVJPaGZ1YUp0YzNIVVI0UmJpdnlIVEJ2OENzQmxKYUwtNDhVMXpaNlE4?oc=5) · San Diego Wave Fútbol Club
- 2025-04-29 [Phoenix Rising FC Partners With America First Credit Union In Community-Focused Multi-Year Deal - Phoenix Rising FC](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNU1k0X3BDZlFJMjFRTVBJd1BFSU9hMkQ3cVlVT1p4V2NqbTBYeGY0OFhSRWdaWjVHZlhkVFBNcFBSY2JvUzlPSFpvM2RNWVJrem9kU2wxZjlHcjJQbUVZMXpYR0dtRV9UOGo1ZVJ6VldJNS1vdV8zdUxaT0wwQmp0TktjdnlDVDVhZUJLaC1mQm8zTFFFek9jcldQdU1rZmVfc0U3OUkxOUkxM3RNSVhUZDFCZkZ3T09NNXpMVzB1cko0YS1mcnRfOQ?oc=5) · Phoenix Rising FC
- 2023-07-31 [SchoolsFirst Federal Credit Union Partners with Sacramento Republic FC on 10th Season Anniversary Celebration Match at Hughes Stadium - sacrepublicfc.com](https://news.google.com/rss/articles/CBMijAJBVV95cUxQOGI4TE9zRFp1ZHdheUlMRTUwR2EtUHc3aHRsakJDQWhTd0g5c0NKTDNfMy0za3B5bno2ZlU2dFMweGVEYUFmaUdCREZFN2pGUjNjM2tmdlE2T2VzMWg0NWk3YkxVTkFoUjFzTDg5S2w4Y3A4M0hsSlRLRURjWVgxUHpNLVZEZDVTelcyYjE2TFdvakFjWGM2cGp5SG1ITEtQdm1LZXRVUEFuaUhGVUJ0em9QRlhsRlp6QndVM1RqSENqc1NfcHBsRHBCdFB3YzJKTEJ1SjRiTXh0aDdLQnZBOVVwQUMyT20yY0trME9UbU9QYWlQa3c3UTUzMEV5MkZWckpmMU0zeDNKOUFy?oc=5) · sacrepublicfc.com
- 2023-03-11 [National Women's Soccer League Awards Expansion Team Rights to Utah - NWSL](https://news.google.com/rss/articles/CBMinwFBVV95cUxNTmJGbzZZQ1JSOEt1WjNDQXViamREVU9JR2VURkJHY3ZQQlFwTFVwMG54U0J0NVEyZ3pkemJYb0dsTmx4OXA4NkhXUUh6M3JDMzZldFFKWlBCLW4xWXlwQmk2NkE3S3lzQTdpWldCZnFEcHhhdzlIenNadFpDdDVmekRxWFRSQXBjMlBGWEc2MFBGOTJmeURldlB6UXZLaTA?oc=5) · NWSL
- 2025-08-22 [Scotwest Credit Union Signs as Official Partner of Celtic FC Women - celticfc.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPdjFnaFZhc25EMDRQa19aU0RyN2ZDN2x4SVRmb3dWNHpyWTB0ZHlGZ3V2V25TUlNwZHNkdTBrbmROSTNMcnZ0RU0zWmotMTh4eFdJWDYtX0h0eU1ESllhZndLbkJNdXgxZ29YQ21uUm1pVGxYSDlqNk9zTWR4dVZsZlo2SlZ1ZXBPOGlfV01qaGlSNDRNUnVHM0JhQ3hhMlFNNUQ3Y0RjeFhvc1R6M0NXN0xjczRxVHVyc0txWXMzakNUcFNfajdHMmdacWVUMGVWZi1zdGhubmdjX21raFE?oc=5) · celticfc.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22510 (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/46.json (key "22510", 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=22510
- 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