# CREDIT UNION OF NEW JERSEY, A
Ewing, NJ · NCUA charter 24927 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/credit-union-of-new-jersey-a-24927

Who the members are: federal charter, multiple common bond, organized 1943, low-income designated. 39,068 members of 860,093 potential (4.5% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *ordinary*. 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 | $504.0M |
| Members | 39,068 (2.6% YoY) |
| Full-time staff | 84 |
| Net worth | $52.4M |
| Net worth ratio | 10.4% (p51 of band) |
| ROA (annualized) | 3.51% (p100 of band) |
| Total delinquency | 0.95% (p75 of band) |
| Net charge-offs (annualized) | 0.87% (p83 of band) |
| Loans / shares | 89% (p77 of band) |
| Cash / assets | 9.6% |
| Borrowings / assets | 3.29% |
| Net interest margin | 4.11% (p89 of band) |
| Operating expense / assets | 5.06% (p95 of band) |
| Vehicles % of loans | 25% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 15% |
| Third-party paper % of net worth | 75% (p44 of band) |
| Vehicle delinquency | 0.91% (p71 of band) |
| Vehicle NCO | 1.70% (p79 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 49% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 51% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 11% |
| Average share balance | $4,550 |
| Participations bought / yr | $3.9M |
| Participations sold / yr | $19.2M |
| Participations outstanding | $28.8M |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $15,352 |
| Loans granted, annualized | $101.0M |

## Participation posture (from the same filings)

Bought $3.9M and sold $19.2M in the latest annualized quarter; $28.8M outstanding purchased (55.0% of net worth), $4.1M sold and retained. Sold in 6 and bought in 8 of the last 8 quarters. Shares 2.1% year over year.

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2021-06 | 5 | thin capital, capital below 7%, expense trap, delinquency 2x band |  |
| 2021-09 | 4 | charge-offs p90 | capital below 7% |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 | 3rd-party paper>100% NW | expense trap |
| 2022-06 | 5 | expense trap, delinquency rising | thin capital |
| 2022-09 | 4 |  | delinquency rising |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 5 | leaning on borrowings |  |
| 2023-12 | 5 | loans>95% of shares | 3rd-party paper>100% NW |
| 2024-03 | 7 | net worth falling, losing money, 3rd-party paper>100% NW | delinquency 2x band |
| 2024-06 | 4 |  | net worth falling, losing money, 3rd-party paper>100% NW |
| 2024-09 | 3 |  | expense trap |
| 2024-12 | 2 |  | leaning on borrowings |
| 2025-03 | 0 |  | charge-offs p90, loans>95% of shares |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | loans>95% of shares |  |
| 2025-12 | 0 |  | loans>95% of shares |
| 2026-03 | 1 | expense trap |  |

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

- 2026-09-02 [Stephan Bocket Portrays Major General the Marquis de Lafayette - TAPinto](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQWFdoSTFXWFZmZldINHd5bWUwR2h1Mk5JSWlWdVhhTjRPUTlJUW9RMGxKN2lHdTlFWlNRai1pckxlYUsxWmlRNFN4aUQ2VTlvQmlpZWlEbVVXZmZUZ2lJYmdrVFFCS1hPQ1ZxRGFaNmNKZXhNaU5uUTlZSXBTRDhtQmdBRU9ocEc1d0c4Y1hnaENCcjFtVG5BUW9YNVU4SUlZR3JWS0c5eWVTSFNTb1NvMXRFYjhncUltSC1LdkJaWEV1b01UaFA2SGl5OXJ4OWJHbEdLSkFOeUo?oc=5) · TAPinto
- 2021-06-12 [NJ students: Union Catholic Regional High School holds Junior Rite of Passage - Central New Jersey News](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPY2xUZG9GaENVaXpYekktVzFwM1pOczdmVGlHaEY5SmtfR0pyOENhRjI5UzV0UDFEeG1NVWtiOEh0RGNhakdyLW9Mcm96eEVGNjlEdTNMdnVQbWlMSG9wSGxFRjNtRlJkMklCVHB6akc5LWpFV3VqNWtWN3lkZWZvVEtISnJRRjZESTlRMG9lZm9kamo5bHNldmZHVFdEOVJvYmRvYTJkekhTVW05N3dRSnRLSFVPeW45TkdITG9vRF9iR0xMc1ppWHl4RHNMcXRERGZhd3JnZENuYkk?oc=5) · Central New Jersey News
- 2015-04-20 [Study: Union County Ranked 12th in State in Child Well-Being - Patch](https://news.google.com/rss/articles/CBMinAFBVV95cUxQaHVHeGhiU0NkUlFTaVFCUUF4MzdpY2xhUUlVUW1palZxQ3p3MUU1eEVmSVpVZ2RtWWJtckR5R19FNFdQUUVLNTBPY0JVaUFfYlZWM1VtUHlNTl9yODZkc0UxMVptUVU1QVRmYWdnSnRtSVNRXzZKNVBKdlpmY2EtelRjVmtycFJyMkxISjl4SzdEZ2JKVlltdVlIRWY?oc=5) · Patch
- 1994-08-14 [WILLIAM L. WEBB DIES - The Washington Post](https://news.google.com/rss/articles/CBMiswFBVV95cUxNeHBGUHduWVB6MGlkVzRlNHhrSnAzd3lKVHVtSnI3MWc1YzQ1RzItRl8yYmVmM1pLLTIwWUh1NnhRQV9CcEhDUjRPc0xSZ3I1UFJzUXdxN1IyX2djNExDVEJqMnc1SlZnc2ZUOGFVQ2pYOHJWR3lrQmRYY2xOaGNWX2lCR0dCRnRPT0lueVdFZEs1bENWRmdHVWZYOEgzRmlFN19kNHhreHlsQjJvSjhzTEFkcw?oc=5) · The Washington Post
- 2023-06-25 [Westfield Board Approves New District Administration Appointments - Patch](https://news.google.com/rss/articles/CBMipwFBVV95cUxQU1k5SDhjR3JqLS1QcURud2NMWjY5eGlLV2ZYUDBFZzVqRDNYVVg2VGtVaHlBUWhzLXhIWEUzTFV3WWo5RS04WDVEMjdUUXVNVkdOSUNOUmVaNTNscjM3V09GQ0FaNDB0SUhvaWRIRy11SHdxRVFiS2J0QkM4el9tbUlFVDVocnVPLUpsZmtJZS1POHVEcmdPeDFIU3NnMnRkTHFCYVhJcw?oc=5) · Patch
- 2015-12-09 [Fourth quarter Central Jersey hires & promotions - Central New Jersey News](https://news.google.com/rss/articles/CBMisAFBVV95cUxPUU1GbEpBLU5NVEZkeHN1ZHFZMW5QMmJscFgtbEIwQmZGeGpWYm16VV9VVzNmTGcxbWQ1OGo2TFVQMTA4NmhhZVY3OGJUQU5xYlplQ294WC0yRV8yN3dsdGEweG96WVo5MDUzbnBFWTlLRkJrVFEyNEl0UHhfdGdqRmJYbGJPeGZNdmRRMWxGelc5RjB0UFFxZXM1S2czZDBpSmZaREhIVl96NUtSNnZ3bg?oc=5) · Central New Jersey News
- 2013-05-06 [WHS' 'Bat Boy' Receives Multiple Rising Star Nominations - Patch](https://news.google.com/rss/articles/CBMilwFBVV95cUxNTGhjOGk2eFRQVm40Qm1lYmNXdndQVlA3QS0xRmJBZHk1LWZtWU0yNWpITGdPcklGZm9rbGFVN0U4eG1NcTQzQ1JHVk5fMGVPUTBmWHJVZWc3TlRITjdPdjZFQ1p6czJURkFiT2lBSUV1c3l5LVU5R0ptbUdnNV9hSUJOODJYQ0hpUjI1S2pFOXBGSVFiaHZB?oc=5) · Patch
- 2012-06-06 [Westfield High School Wins Eight Rising Star Awards - Patch](https://news.google.com/rss/articles/CBMilAFBVV95cUxNazFuY3U4cGlRYXM2aVBORXJ0SEM2YTk0eXNNQXNIa1YzRHNTVXlsLUhhcU10X2RVWld4OTc2RFpFdndnbExaaDh3UnpvUFpCbEZCblZjdzZESEhJNXZvOFhBbjk0Q2NEckoydWhsSXBkOVlZQWdYTHlpVlktYjdtaWFZdnJrVTk4TmVmTlh6bExtOU5G?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24927 (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/31.json (key "24927", 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=24927
- 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