# NEW COMMUNITY
Newark, NJ · NCUA charter 24167 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/new-community-24167

Who the members are: federal charter, multiple common bond, organized 1984, low-income designated, minority depository institution. 3,531 members of 4,000 potential (88.3% of the field); checking penetration 12% (share draft accounts per 100 members); loans per 100 members 1.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $3.4M |
| Members | 3,531 (0.2% YoY) |
| Full-time staff | 3 |
| Net worth | $414,816 |
| Net worth ratio | 12.3% (p33 of band) |
| ROA (annualized) | 0.17% (p31 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 35% (p19 of band) |
| Cash / assets | 68.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.32% (p28 of band) |
| Operating expense / assets | 10.84% (p98 of band) |
| Vehicles % of loans | 0% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | – |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | – |
| Vehicle NCO | – |
| Repossessed % of vehicle book | – |
| Real estate % of loans | 97% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 0% |
| Average share balance | $391 |
| 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 | $42,757 |
| Loans granted, annualized | $81,960 |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 4 | delinquency rising, assets shrinking, members leaving |  |
| 2017-09 | 2 |  | assets shrinking, members leaving |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 2 | loan book shrinking |  |
| 2018-06 | 3 | losing money |  |
| 2018-09 | 4 | delinquency 2x band, delinquency rising | losing money |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 | assets shrinking | loan book shrinking |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | delinquency rising |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | net worth falling, losing money | assets shrinking |
| 2020-06 | 6 | margin squeeze, loan book shrinking |  |
| 2020-09 | 6 | delinquency rising | net worth falling |
| 2020-12 | 5 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2021-03 | 5 | net worth falling | charge-offs p90 |
| 2021-06 | 3 |  | loan book shrinking, net worth falling |
| 2021-09 | 3 | assets shrinking | margin squeeze |
| 2021-12 | 1 |  | losing money, assets shrinking |
| 2022-03 | 1 |  |  |
| 2022-06 | 5 | net worth falling, losing money, delinquency rising, loan book shrinking |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 4 |  | net worth falling |
| 2023-03 | 2 |  | losing money, loan book shrinking |
| 2023-06 | 3 | loan book shrinking |  |
| 2023-09 | 3 | assets shrinking | delinquency rising |
| 2023-12 | 2 |  | loan book shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 4 | net worth falling, loan book shrinking | assets shrinking |
| 2025-03 | 3 |  | delinquency rising |
| 2025-06 | 1 |  | net worth falling, loan book shrinking |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | assets shrinking |  |
| 2026-03 | 1 |  | assets shrinking |

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

- 2026-05-07 [Trenton Thunder and Affinity Federal Credit Union Launch “Hits for Hope” to Support Trenton Community Ahead of 2026 Season - MLB Draft League](https://news.google.com/rss/articles/CBMi9wFBVV95cUxPRWVGa2t2LWlzcE1HdXlsUENYMjRsOG5raThlOHpYNllwaTk3azBhX2VfcmxDQnVTNUw5X0E3SlQ4X09RMndFYVpkMDZaMUd3WnlHS3I1VVhjZDh4ZkpvWkI5NEhrcDZHOWpNY0xrNnpDZWJZNlhZSnlfZ00tMy1jcXBxbWdLajduN0ZNVHhLbTRLVkloTXFxcXlOTnJtN3J2cEcwb1FJcDN2aTRmcC1DNFNkNjlyRXRxNTdUWm9qSW04YmFrMGdScWs2NXVzTjQyZVF5Y1paZmpWYXpWaUJjTk1KWk9wd2xqUjVscmxBSTdUd2xxam5N?oc=5) · MLB Draft League
- 2026-06-30 [East Orange Welcomes Its First Credit Union as The Atlantic Opens New Community Branch - TAPinto](https://news.google.com/rss/articles/CBMijAJBVV95cUxOWmFaaTR0MkZmN2tmeExla2p3NHVYbUpOdlY3T1NkLXRaU2JOT3FudlJYMlpaNXBqZm02MjdDNnViUlFEalVfeERKaUkwZVkwUndBd2ZKeGE2Yk9hVWd3eXo4elp2S0ZpTVpQZ2x0Q3AyaUZzaFdVRlQ1UGZOMmEydVYzZENZRUxEbFlKMjFsQnFXM2x6SEI4a1JzNVBQQmtKQTNjS2tYRzdGd0tBcm9iOV9PMHZ5cVVpSVNVQkVHRDRxYWtzVVEwanhDdldVR2EtSVZ3NlM1Nk9raVFsVHVVS0VTXzZBVWdGU1Nodng4a21OUWxJY2xBWTROSWVfelZRTnRLZHh5MTVtSUlz?oc=5) · TAPinto
- 2022-08-30 [Somebody Actually Started A New Credit Union. Here’s How They Did It. - Next City](https://news.google.com/rss/articles/CBMiowFBVV95cUxQREZsRWVqVTMxMGtFNHkyZjdtNG5fM2Qyd0lTTGVWQ2R4VE1XM25QUWFJbXZkdldnZXJLVnVMVExSSVIwLTBTcTdsNXZMV3dsTGZJNWxHN0poMzhGb0hEQm1sVXM5YWNNQkpvRGUyNHdVWklXdHRGY2k3TG9oRTZpUmtfR0plMkRNVmdMSzR5YjIyY0cwRmdxV1AxWTB5RUdsaTNj?oc=5) · Next City
- 2026-08-07 [East Orange Initiative Aims to Turn Black Wall Street History Into the Next Generation of Entrepreneurs - TAPinto](https://news.google.com/rss/articles/CBMiowJBVV95cUxOSlVGT1E0S3RaUVoxQkRLaW9ta0plR2p1NWJJVE52OVgzUkN1ZThQYW9LVDR2QWpDN3RtT0I3SVo3bGVXRFJzTk96U242MEJqdVd3SE5SRWZnSFVnUTlZSl94a09lTnJreF85RXE2anc3UFRlTUNNdWlWcl9aam5mOXVhN294d3E1RkdkSlhjZTl3QnlPejhGT2ljOHpid1Y0X0otNm9xSDFDVG5EbzVNSkc4Wl9fNTVpR0N5anRoRHNYLUdPZjU0Tkp4Nk1lYjFNeVJKeE1DczB2RVVsa0pOOERoZUE4dHBESF9JZjJ1X25XdGFvTjFiLURxLTBvUU00cU9zSng4VTRULWFiTlpSWUhVOEt5a1lBX2wwMTRSWDlmSGc?oc=5) · TAPinto
- 2022-12-01 [Gagneron Selected as CEO of New Community Corporation - New Jersey Business & Industry Association](https://news.google.com/rss/articles/CBMifEFVX3lxTE5rVWhlTmRNcmFiOHZHRFh4UkF2MXpQTTQyWWRGeTlXR296ZXpIZFh5YVFlQ0g1ZXNEa3dvOTlvbVZFeTl4TUlXZUlKV010MEJOdUpmWnNSSGNNelJqNC15QTVZSU9KTnpZb1hVVzNGVmJlRTNKbjZBNDM5aHI?oc=5) · New Jersey Business &amp; Industry Association
- 2022-03-16 [Andrews Federal Credit Union opens new Secondary Operations Center - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQTUV1SVd1ajR0TlUyV0dhWHBkRGhPdlRETEtnSGZ6Rm9wOWM5alZoREs0a1ZQQVlpNUpWb0FNOFNpbDlsQWQzbmkyQzdIcWFtVUpUMjk4T3ZYeEhRbkpCWEpoU3dSa2VyQTJONU8tNi1QejFTOTlYbl9sYmNFd3BGLXJ1dHlLdXZhNzJMa1pkQVFmeUNQaXNqVmRRMVpydmJrZUZGS3h6VlpBX2s?oc=5) · CUInsight
- 2021-03-18 [Richard Rohrman to Retire from New Community Corporation - Insider NJ](https://news.google.com/rss/articles/CBMikwFBVV95cUxPTm5FY1cxNEY0YTg1bGJQV0lIeF9hWGtObVhXVjFFSUgydG9TbGJmLTdfdUlKWFdnVFR1Mmx6LWg5RXE4MXFjZU52TzNlMnVTLUxNbmw2UEI4cm12QXkzWnI4MUpUMmhrY1UxVlhfRGJjMmpURTEybi0xNGxmb0JGQzJsMTk1c3c5ZU1FaThxZzlIZHc?oc=5) · Insider NJ
- 2025-04-14 [New APGFCU president sets priorities for the credit union - Maryland Daily Record](https://news.google.com/rss/articles/CBMinAFBVV95cUxOZTNhUXRFZWRhejJvQTExRjdqSHFuQkt3ay1kU2dzMV9DOGxkejIxRFY1eGtHVXkycjhDemdHRkJnYjBld1NOZnRxMlQtZ1BQRmlyejJLcXViWnZEUFFwWkUzMGE0MHpIbTBCclFhcXUtWnE5YmMydnl6LTdXTGVyZ3dfVVpmWDlTQ1NoQVdmb3VJQUVuanNYc1JfaDc?oc=5) · Maryland Daily Record

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24167 (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/39.json (key "24167", 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=24167
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide