# NEWARK POLICE
NEWARK, NJ · NCUA charter 4611 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/newark-police-4611

Who the members are: federal charter, multiple common bond, organized 1941. 1,164 members of 3,000 potential (38.8% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.2M |
| Members | 1,164 (-4.8% YoY) |
| Full-time staff | 3 |
| Net worth | $1.7M |
| Net worth ratio | 33.6% (p95 of band) |
| ROA (annualized) | -0.12% (p21 of band) |
| Total delinquency | 5.43% (p94 of band) |
| Net charge-offs (annualized) | 0.94% (p85 of band) |
| Loans / shares | 96% (p95 of band) |
| Cash / assets | 14.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 8.63% (p99 of band) |
| Operating expense / assets | 9.13% (p97 of band) |
| Vehicles % of loans | 11% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 86% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $2,813 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 24% |
| Average loan balance | $5,656 |
| Loans granted, annualized | $1.7M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | delinquency 2x band |
| 2017-03 | 2 | net worth falling, delinquency 2x band |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | delinquency rising | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | members leaving | delinquency rising |
| 2018-12 | 2 | delinquency rising | members leaving |
| 2019-03 | 4 | margin squeeze, charge-offs p90, loan book shrinking | delinquency rising |
| 2019-06 | 4 | assets shrinking | margin squeeze |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 3 | delinquency rising | charge-offs p90, loan book shrinking |
| 2020-06 | 4 | margin squeeze, loan book shrinking | assets shrinking |
| 2020-09 | 5 | net worth falling |  |
| 2020-12 | 4 | charge-offs p90 | delinquency rising, net worth falling |
| 2021-03 | 3 | losing money | loan book shrinking, charge-offs p90 |
| 2021-06 | 1 |  | margin squeeze, losing money |
| 2021-09 | 2 | members leaving |  |
| 2021-12 | 3 | expense trap |  |
| 2022-03 | 4 | charge-offs p90, assets shrinking | expense trap |
| 2022-06 | 3 |  | assets shrinking |
| 2022-09 | 1 |  | members leaving, charge-offs p90 |
| 2022-12 | 6 | expense trap, delinquency rising, charge-offs p90, assets shrinking, members leaving |  |
| 2023-03 | 4 |  | delinquency rising, charge-offs p90 |
| 2023-06 | 5 | delinquency rising, charge-offs p90 | expense trap |
| 2023-09 | 5 | expense trap | delinquency rising |
| 2023-12 | 4 |  | members leaving |
| 2024-03 | 5 | members leaving |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 | loans>95% of shares | members leaving |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 6 | delinquency rising |  |
| 2025-09 | 5 |  | delinquency rising |
| 2025-12 | 2 |  | assets shrinking, charge-offs p90, expense trap |
| 2026-03 | 6 | net worth falling, losing money, expense trap, members leaving |  |

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

- 2018-06-21 [Newark Cop Convicted For Fatally Shooting Man Outside Union Bar - Patch](https://news.google.com/rss/articles/CBMinwFBVV95cUxQelZRWVpOMkNtTGZNVjBFbzJsejBwc0tleU1VeDcyZGYyU3NkSC1CbW5BcWp2UnI4OHJacXdmdUNlMlJiZ1A5RGlaQVB5bUxqT3piMGM0ZGZTN2NWNmh0RWRxRGpoTnkyY1lYWVp2ekJVWWR5TWtuSjBUR2hwMW1Sc1J1TE1yVVJxTnNwZ00zR0VOaVJDTWVRSWlwQnI0Ums?oc=5) · Patch
- 2024-12-19 [Six People Arrested After Police Pursuit Ends In Overturned Vehicle: Union PD - DailyVoice.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxNd1RoT1M0VERURko5YmZ1V2RqYjV5N3MwZmlCc1NiZm9PYzc1dTlwaXAwa1FWM2stVTJvcFRwZnY4RFpvem1oZjNvU05LWjRUOVpCNkhYS0E1MkNDenRabjR2Um1CN1gxRVFQcEl0YXFneDZXeDA5YmpnUy1uYktsb3JSMWtzLXNuSlFHVm5GR2N2S0RoRkYya0J5VnBYRXBGV2kwSDBJbGFXdG9T?oc=5) · DailyVoice.com
- 2016-12-09 [Joseph Calabrese Obituary (2016) - 78, Parsippany, NJ - The Daily Record - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPb0FTQW5pSHBFM2RWR3gyOHlhUlhUQWFMRzVvbmlUNDVSVnpwYWxGd0VzUU5ZZ3p5OG1JVlhVNVZwTXdESTVXQW5xNkxIV3BNb2ZvTnpWR2NTSy0xTkJxS3A4VVdUUVBTeHhSeGkwRzdvMHJlb1RBRzNNMlN5YkNVSE0tSXctajg3UUExaGNZSEF3S256Nmc?oc=5) · legacy.com
- 2026-05-02 [Man Arrested In Chick-Fil-A Mass Shooting In Union Township - Patch](https://news.google.com/rss/articles/CBMilAFBVV95cUxOaUhEZlkzRlZTRU9FcjVXaG5tX1pjWHB4V0tsUUphdkZtbWp5YVd4NHVlYXdDc2dMQTJweUtpcVR1ZjdYRWdLLVhfdzUxZWdjdE9MQmtyRFJhclY1cjBrdGFJVTV6ZHdGanVtc2RCOUJ0NElJQW5lNXBNSUprT2Naa1M2eVdTdVBJb3luMnVDVGYzcUV4?oc=5) · Patch
- 2018-06-27 [Video Footage Of Cop Shooting Man Outside Union Bar Released - Patch](https://news.google.com/rss/articles/CBMipAFBVV95cUxQdGNNM0RwTlZRQ091WGg0MkhPVVozOWlCSWw3dnpSamNqeEY0RVNZZTllQjViQzVfMlhIcHV3cm1IcVpULU9Xalc3Umg1SDV3Wko0M2Z3VnpJODNvcl83WnBVbV9EWWRCLTNZNWYwTUpBTm1tbHpHQkVlb1k4Nl96SFVkZnZscnZySENmbi1hMnltcHkwOS1NTmxvUVp0VTRLeXBsSA?oc=5) · Patch
- 2025-02-25 [Elderly Couple Violently Assaulted In Home Invasion, 4 Arrested In Union County - Patch](https://news.google.com/rss/articles/CBMipwFBVV95cUxOWHh2enh2MUFNLWgtbXlqZy1mUHZFcVdSX3Uza1hJbFEzZm5zQnRqYXpoZXNKNTlKangzeUZTZWt0blRMNDY0UWJqZjM1eW96LTJFa0tZd01IbFpCMXNsd0w1NjdGNlUwaTZ1V0x2amxVU3RLSjNEbzM5R2ZBMk8yb2lzaXdYTjAteXp3b2dxSGY1WEJpTnZCSEVWWWVCeFl1V3Q1eE5vcw?oc=5) · Patch
- 2017-06-16 [Murder-Suicide Victim Had Restraining Order Against Shooter In Roselle: Authorities - Patch](https://news.google.com/rss/articles/CBMiugFBVV95cUxNbS15M3c0aXJqS1R1VmVuQlUzTjNSb2dYWVJqZnJrWFpuQjl3OFgxNXZPNm5malJwRXdNcUliRGxJSGx0WkVwMkZlNDR5dHFvdnhqN1hSUEtyMDVyT1dMZXZ6ZVUxTmRsRGoyQTFrT2Yzb2R0WVNGejdONmUxMlBVenBlOUNnb0JaMUZBc0l2emFrUnlrMlFHeHluSEFJcV92dWU0Vm1weElzRmx5NV9IT25TR1haaUJ6Znc?oc=5) · Patch
- 2016-10-11 [3 Credit Card Frauds, 1 Bike Theft Reported In Westfield - Patch](https://news.google.com/rss/articles/CBMilgFBVV95cUxOVERmTXh5Q2R0bHJKLVpGN1Ffa3R5dkk4OEJsSEI4NE1penoxODhqUGZZRU1TaGJTcUtidHRxOUd5SXFKQ2JyQTVHSm1tZU1nVXhUZXFyekptdlVEc3lTTGljTjNVOU9Mcjg2Tk1xVktGSktuS0pxYlo5bjlsNFN0NEFsZ1dNYm1nZEVQb2s1UmE5MGhpU2c?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4611 (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/3.json (key "4611", 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=4611
- 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