# JOVIA FINANCIAL
WESTBURY, NY · NCUA charter 2760 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/jovia-financial-2760

Who the members are: federal charter, community charter, organized 1938. 232,894 members of 2,500,000 potential (9.3% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $4.54B |
| Members | 232,894 (-3.1% YoY) |
| Full-time staff | 468 |
| Net worth | $438.2M |
| Net worth ratio | 9.7% (p26 of band) |
| ROA (annualized) | 0.74% (p53 of band) |
| Total delinquency | 1.23% (p89 of band) |
| Net charge-offs (annualized) | 0.64% (p62 of band) |
| Loans / shares | 88% (p55 of band) |
| Cash / assets | 5.0% |
| Borrowings / assets | 0.55% |
| Net interest margin | 2.99% (p28 of band) |
| Operating expense / assets | 2.34% (p13 of band) |
| Vehicles % of loans | 12% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 70% |
| Third-party paper % of net worth | 103% (p41 of band) |
| Vehicle delinquency | 1.59% (p92 of band) |
| Vehicle NCO | 1.15% (p59 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 118% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 41% |
| Average share balance | $9,549 |
| Participations bought / yr | $75.2M |
| Participations sold / yr | $7.0M |
| Participations outstanding | $238.1M |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $29,070 |
| Loans granted, annualized | $912.1M |

## Participation posture (from the same filings)

Bought $75.2M and sold $7.0M in the latest annualized quarter; $238.1M outstanding purchased (54.3% of net worth), $89.2M sold and retained. Sold in 8 and bought in 5 of the last 8 quarters. Shares 1.8% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | net worth falling, delinquency 2x band |  |
| 2020-06 | 6 | thin capital, losing money, delinquency rising |  |
| 2020-09 | 4 |  | net worth falling, thin capital |
| 2020-12 | 3 |  | losing money |
| 2021-03 | 5 | thin capital, net worth falling |  |
| 2021-06 | 3 |  | delinquency rising, net worth falling |
| 2021-09 | 1 |  | 3rd-party paper>100% NW, thin capital |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | leaning on borrowings |  |
| 2022-12 | 1 | charge-offs p90 | delinquency 2x band, leaning on borrowings |
| 2023-03 | 0 |  | charge-offs p90 |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | leaning on borrowings |  |
| 2023-12 | 3 | delinquency rising, 3rd-party paper>100% NW |  |
| 2024-03 | 4 | delinquency 2x band |  |
| 2024-06 | 3 |  | delinquency 2x band |
| 2024-09 | 3 | thin capital | leaning on borrowings |
| 2024-12 | 1 |  | delinquency rising, thin capital |
| 2025-03 | 2 | delinquency 2x band |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | delinquency 2x band |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | members leaving |  |

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

- 2026-04-17 [John Deieso - Long Island Business News](https://news.google.com/rss/articles/CBMiVEFVX3lxTE1BWVl2NXpuZkRwRlFwNjJZV0dpU2o2NnA5OUVEQkhLVGJ1OUUyVmNmOVdYTWJfZ0UyMXcwc0NqWU5mbmU1cGRRTXc5cmFTMkk5UGQ0UA?oc=5) · Long Island Business News
- 2026-08-06 [Jovia Financial Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFBzR0d4ZE82VUJneklORVpWYmJKaDZHVVBCWkhpcmxKLUxBX1VSQV9uS2FyTTUxX2pfUmFYRTVZY0NGdXh1eEdlcDdBcUhnVkVPN3JOS0E3Mlc2ak9LVnNYQzRtS2dtcDJWQmlZSkU2Vmg?oc=5) · reveliolabs.com
- 2025-05-27 [Jovia Financial Credit Union Announces Appointment of New Chairman and Board Reorganization - PR Newswire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNQVotZ01DWkdYMVFrcE03U3NwVTVYTlpXVGxCTmtUTTdtVldjREFYRkRaRmVNbUtYekUzbFRHWGwzM3M3bVRKRjhxbVNRbTdncHNOWUdudkttMEFnYlR5SGF2cVBzX2dVM0p6V2JqQXdmUUxOLW44aV9IOHNyTWotQTBFcWFycFMzWnFLR3ZFM0F5aFFPODQxSWtUXzRkX0hySHFtYlZVRmM3UTNUbjdDTnJQNVRldG1lQVJ4aEtMQzZsLUtVaGYzc0hnLUxJUUhCRHlzYmZkcnRmNGJkRXY5UA?oc=5) · PR Newswire
- 2024-02-14 [Among this year's Super Bowl ads, a surprise from Jovia Financial - americanbanker.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxOME4zSXpZWEh1RW9nakVvM1kybVJoazJvblMyOFU0RHVVeGxRVWJlYy1meFRFX0VzVk4wZnJST0RUX1BRbDFENDN4ZjB1NVJ3SV9hamVTRGxJUVAtdmNBMkktSGZraHM3WWhvQ2owY3dlam1KVmQ0TUdhZGhLZUxRUV95STVBS21FMVM1bnFVSGhUOUZ6Zk52TkViYVJ2d3dLODNHVlBQY2hwZjllNGFlZEJ3?oc=5) · americanbanker.com
- 2022-11-04 [Jovia Financial Credit Union celebrates re-opening of Commerce Plaza and introduces Curio, a family friendly financial education program and mobile app - CUInsight](https://news.google.com/rss/articles/CBMimwJBVV95cUxPaUV0UVJ6VmVOM2lmel9ONVBUdS1rLVZfaHBqdGp4YmE1eVQteTdJMHdoTlpobTFMT1BiZ2duZndNcmtIZkFGaXRJcHRTTGRhcWR6X0hFdzFua29SMjFJS2ZwYVkwN09kMU55dm1ZeXpMYWIzc3pSaEI4SVpoY2NZN1luc2xWSDNKS1V6ZllQNWZjbk5GZm1vOTIxeFN1LTQ5TE5wd2o1eHozUUkwSHlOM0dDOEhkZFc5MHlMQW5TalBpbmc3cVRtN0VJQ2RpWFdjVDlWdUFGekVScGt3dTlBUzEtSmVaNXNlMnl6dTJJX0VmMi0xcVNwaFpvTUJtczFtd1p4aWNkN1d1QVpCa0d2Qmk0Z0hXZ2JuWXVz?oc=5) · CUInsight
- 2022-04-13 [Jovia Financial Credit Union Becomes First Local Credit Union to Eliminate Overdraft and Nonsufficient Funds Fees - Newswire.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxOQkVldmFBekNneHZ3VDdiZGxfWm5xQjRfSzZjUDRVT1NWSXdzdWxPanBYcXRzZlFlajExZ3ZXSDR6QzZCc2Etd19KZkY1ZUw0Z21rZktwSlh3bkthUUZ4ZWs1d2pCbWViT29qcTJFT3dkdHhaMllvdVN6d1VGZE0xYVZ4ekxQcUlCVHltdkVqcFg3bUliR2VkS3JVbjJRRVNrLW9Ca3ln?oc=5) · Newswire.com
- 2025-07-17 [McDonough named chairman of Jovia Financial Credit Union - Babylon Beacon](https://news.google.com/rss/articles/CBMinAFBVV95cUxQY2gyMnpOaVMzV25xTGJ5RXpTbnlQWGVQNnh0TldqVDE4UTF6TDBjNTktd1BNUm1lQklsdjR1T0JyRkZhS0FGVkE1NU12cEZOZV9mT0MyMXpQQjlfNnhJV0ZrUmdHWHdjckNtYlRndkQ4SG5lcTdTdzk5MHRYVzk2TE9fYUI5NXBsV0xsaDJUSGh1X0xNSFVMTjBUc2c?oc=5) · Babylon Beacon
- 2019-09-25 [NEFCU Changes Name To Jovia Financial Credit Union - LI Press](https://news.google.com/rss/articles/CBMimgFBVV95cUxPaXpFbklWME9vbVdoSlJBVVhhYTQtMGRBSlV1Vm9zLWZKMkhCb29lbjdfUUFPTE1zSVRCYzAtLUN1MGhTSnpCd1JNV3h0b2Nid1dlaHplZ3MyTTFqZ1JnYnVtWWowNTdmaWVnems5RWZVczJGM1ZSbVFxQmt4Y0dDNlRORjhRZkdiTlhoUWpic29HTGZ0RmZSeDVB?oc=5) · LI Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2760 (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/8.json (key "2760", 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=2760
- 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