# JERSEY CENTRAL
CRANFORD, NJ · NCUA charter 2493 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/jersey-central-2493

Who the members are: federal charter, multiple common bond, organized 1937, low-income designated. 4,031 members of 80,000 potential (5.0% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *ordinary*. 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 | $24.2M |
| Members | 4,031 (-5.8% YoY) |
| Full-time staff | 7 |
| Net worth | $4.2M |
| Net worth ratio | 17.3% (p64 of band) |
| ROA (annualized) | -0.23% (p19 of band) |
| Total delinquency | 2.77% (p85 of band) |
| Net charge-offs (annualized) | 0.31% (p69 of band) |
| Loans / shares | 67% (p63 of band) |
| Cash / assets | 30.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.50% (p73 of band) |
| Operating expense / assets | 5.78% (p87 of band) |
| Vehicles % of loans | 31% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.69% (p57 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 32% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 33% |
| Average share balance | $3,689 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $9,914 |
| Loans granted, annualized | $5.6M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2025-05-12 [Hunterdon County Chamber of Commerce honors 2025 business award winners at annual celebration - WRNJ Radio](https://news.google.com/rss/articles/CBMitwFBVV95cUxNSGRrSFBwem1XbnVBTVNEbWk0RlZURDFYTktIS0x5dVQ2SXoyN2RLRHROLWM3clJWVjYtaTA2cXdMT1p1SFhwd0RUeldBZ1dUd2x0ZUdDYUh4Y2NuTVV3SC1vZUlqeG5lYU9xcDRZVmw5S1BJN0VJVXVsWFJhVVpuakJLUFRHYVJJWllVb3FTdnpGc1RPQ1hMZXE2YkdNRzdMWWlIa21vZGdrZWhXbTVQal8xdjNnMjg?oc=5) · WRNJ Radio
- 2021-10-06 [Murray Downie Obituary (2014) - Roselle Park, NJ - obits.nj.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNRUM1OUxuSHlHbzdmQzhPT042YWNneDZ4UW44QTFBRUpDcWhhTHk5MGtjYTB4SlRvbDRhT1NkWDJGSVpDRmxyNGRoWXZLdFBGanZlU3Qtck56TXF2ZXRYcGh6R19Ic3Znam5IYnhlZ1Rtd1lzUjhodFJNRnptdmpRajNZNEVmSzkxVmhaQklB?oc=5) · obits.nj.com
- 2025-03-03 [NJ Director Sean Baker Wins 4 Oscars For Film 'Anora' - Patch](https://news.google.com/rss/articles/CBMingFBVV95cUxNWGZPSjB4MFZib0tBZGlvV2FiWldSU1FsT2E5b2wwZlQxTHRLVHRfeE1QVGpwOGF5NmhjNWJiT1A0emNfZWNhUW50OUxzc0pJaWJXUjFUSHFFRHFwYUVnOTBIWFFkRTVEN2tGRWRRSWtfcUlDTE1rRU9ZQi1fYnpBZktwMnpxNzg1b001dGhvNDUzRE1qOG8yS0loZmEwQQ?oc=5) · Patch
- 2015-06-02 [Identity revealed of developer interested in Market Street train station in Wilkes-Barre - Times Leader](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQNEJGbVpuNVNkSDV5UzlXQVNIaWJnaFpiU0d3OWJybDlNR0N1Vy10Qk1ldmtRemtKZGdaOUxlOTdpWF9YckxBc0xKZEVUX2RZMldwQWJEM19haG1Tb3h2S2JURmZaWjFhdHp5aEt5UUZUZnBaWjB0OGEwT1doYjFOWlJxb25pRWFuODRVc0syYjd1NTJMMlAzalFCcGh2aG45TmFDVUJydDF5MWs?oc=5) · Times Leader
- 2017-02-12 [Jersey Shore Chamber of Commerce gala was a big success - Asbury Park Press](https://news.google.com/rss/articles/CBMijgFBVV95cUxNSW5MSjNIbTZXVlB1cDRMaDdhbmoxcGU4YTVJVkhZYzJVOTJ6Tlp1dVA5OV8zakg5TXd5ejAyWEs5VnVpZDBnWkFyVDdVOVZuU2w3WHVoUE5TY2hvTFF1eWpEV3p5c0VhZlI0R1hmLWduQTRKYzRmaW5FYWIyNHFaUnNkMjNISmhFLVRqS1lR?oc=5) · Asbury Park Press
- 2016-06-21 [JCP&L Replaces Utility Poles, Cables In Springfield - Patch](https://news.google.com/rss/articles/CBMikgFBVV95cUxNRWNMTWE3VzJOY3A5Z2p3NlB4TXlYZXBhWDBPZkNFMUNCZ3hnUzk2VmtUVWJ0MHpoVzUyMXBNcWtoT2hjeWdZS3ZtenFpejdRVGxFNGJJNmpPX1A4Q3Nua3M0N1ItY1pHd0R2ZzFBS1NkREdtbGtCaGk1Z3BscFlmRjRiRjRPS2wtY1pWN3doYlNKZw?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2493 (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/61.json (key "2493", 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=2493
- 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