# RARITAN BAY
Sayreville, NJ · NCUA charter 4726 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/raritan-bay-4726

Who the members are: federal charter, community charter, organized 1941. 7,432 members of 890,119 potential (0.8% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $107.1M |
| Members | 7,432 (-10.3% YoY) |
| Full-time staff | 17 |
| Net worth | $9.1M |
| Net worth ratio | 8.5% (p8 of band) |
| ROA (annualized) | 0.96% (p67 of band) |
| Total delinquency | 0.56% (p46 of band) |
| Net charge-offs (annualized) | 0.27% (p42 of band) |
| Loans / shares | 38% (p7 of band) |
| Cash / assets | 4.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.73% (p54 of band) |
| Operating expense / assets | 3.46% (p43 of band) |
| Vehicles % of loans | 33% (p44 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 50% |
| Third-party paper % of net worth | 111% (p72 of band) |
| Vehicle delinquency | 0.40% (p37 of band) |
| Vehicle NCO | 0.44% (p46 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 9% |
| Average share balance | $7,788 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $189,891 |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $12,349 |
| Loans granted, annualized | $18.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $189,891 outstanding purchased (2.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 0.3% year over year.

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, losing money, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  | delinquency 2x band |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 | delinquency 2x band | losing money |
| 2017-03 | 5 | capital below 7% |  |
| 2017-06 | 5 | net worth falling | delinquency 2x band |
| 2017-09 | 3 | delinquency 2x band | capital below 7%, net worth falling |
| 2017-12 | 2 |  | delinquency 2x band |
| 2018-03 | 3 | delinquency 2x band |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 6 | net worth falling, losing money, delinquency rising |  |
| 2019-09 | 3 |  | net worth falling, losing money, delinquency rising |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 9 | capital below 7%, margin squeeze, delinquency rising, members leaving, loan book shrinking |  |
| 2020-09 | 9 | net worth falling | delinquency rising |
| 2020-12 | 10 | delinquency rising |  |
| 2021-03 | 11 | losing money, charge-offs p90 | delinquency rising |
| 2021-06 | 9 |  | net worth falling, losing money |
| 2021-09 | 9 |  |  |
| 2021-12 | 9 |  |  |
| 2022-03 | 10 | net worth falling, losing money | margin squeeze |
| 2022-06 | 10 |  |  |
| 2022-09 | 8 |  | loan book shrinking, net worth falling |
| 2022-12 | 9 | assets shrinking |  |
| 2023-03 | 6 |  | charge-offs p90, losing money, assets shrinking |
| 2023-06 | 7 | assets shrinking |  |
| 2023-09 | 6 |  | delinquency 2x band |
| 2023-12 | 6 |  |  |
| 2024-03 | 6 |  |  |
| 2024-06 | 4 |  | capital below 7% |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 | delinquency rising | members leaving |
| 2025-03 | 4 | members leaving | assets shrinking |
| 2025-06 | 3 |  | members leaving |
| 2025-09 | 4 | members leaving |  |
| 2025-12 | 3 |  | delinquency rising |
| 2026-03 | 3 |  |  |

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

- 2026-04-06 [Woodbridge Plans To Open Homeless Housing In Hopelawn Section - Patch](https://news.google.com/rss/articles/CBMimwFBVV95cUxNV3M0WEYtRmRWdzhYbnFpU3laX2ZBWDdGcVo1QUlMWWwwMUJIbzNETHZ6eld3RlVMTlpLTkFqV3d0NWZJaUNBbGNENlA2SlNCc0k0cGZsaEpXTVZxUjVoZS1PRjFVQXg2ZmdDaDd4YUJOTjFkR21maDJlZ0s5elR4RGRMMjFvZnVjX3psT0RpVUVoRDg0TUIwMExLVQ?oc=5) · Patch
- 2016-08-05 [Bowl for Hunger raises more than $22K - Central New Jersey News](https://news.google.com/rss/articles/CBMiygFBVV95cUxNby1RQ3NSUnFmZFZ0c3J5MjdoaF9BOFNYMm9NUERpeGh0M0RXSUg4dTVwRHlMVENmcGpsV1kyb1F2Z1lWWERoeWVjMmxydHhaOUJlWk9ncl9vajB1VVZicmxac3VUTU51MlRjVDBCUGpRVFo1Q2thVG9MQk52VERPLVRzeTd4blUyZlZrTlNiS2h3T194dHdsRVVrSWMwek1ZQlFZMV9sOUFjdmRzYmRoRVFiV2lhZjNiNGszRDNQWF9CUXBkWU5wR01B?oc=5) · Central New Jersey News
- 2026-02-15 [Girls Swimming: Bridgewater-Raritan Wins Sectional Crown Over Westfield - TAPinto](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPZjRHVDJMQU1yX05lcVp4MXdiaG4xSElsNUU5ZmM5bEFFYWI4U0ZvbUZaTXRyRjVlQ0FreDZqU2FtZk9qbjVwbVNQSDFjOVNpTjNBMTFTSTdFTjBld3NVeE9YM1hwU2t6cncwQUdZMU9hY1VUUXFQa0xSa2lIYzZ3c0lmMUVRR2hDS3Azczh3R19JQlZjQ1ljY0dkTkhkaXRWX0ZjM0JseWpFNUJpaExmVEUtY0lSVFQ2VU8tNlVsVTQ2MUdZS2VfaDZjNXZKY0JQ?oc=5) · TAPinto
- 2022-09-27 [N.J.’s first Filipino food truck offers authentic cuisine with a twist - NJ.com](https://news.google.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?oc=5) · NJ.com
- 2021-10-31 [Stanley Scibek Obituary (2021) - 84, Sayreville, NJ - Asbury Park Press - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQY3FxR0x4UkRtaE1aU2E4V3E5bENITXE0M2UzTi1BY3FMOTZTRUtpMEpKOWNaalpKaC1EdFphYUxIanA4cXZvbGcwQUFuVldIZ1FYcDFoem9ET1Z0THdVMGFjVGw4ZkJfUVZ0ZUtHQ1A2RmRnMWZWU05VSVI4eWlrTVJad0FuUlpn?oc=5) · legacy.com
- 2026-03-08 [Sayreville Police to Attend Kean University Law Enforcement Recruitment Fair on Weds, March 11 - TAPinto](https://news.google.com/rss/articles/CBMi_gFBVV95cUxNWU1icFREa25SajhzcUJyZjIzdzcxUXZlcUZzMDlXT0tob3hNWWNiZC1RdGhLOVZuVHhNME1ScVhfUFZrcWh1dlVLOVJPWHlPT19uVlZOQm5ndng3eVpsMXBETDBxMUhuQm9EV2NfRFJRc09QLU1lOC1tNE12cmU4NWEyWEpZRnN5U1V2eUJKUDlQYU9udWMyWDFZVkQ3SlBURzVoSG1rNUM0WXRzRl9kcklDLUFTZkVEVjhWT1dpS3lzYjVzVGtpTldCMmFITURDdEVSNVZieEhDS0o1N01DM3l4cHFoRklfdTJBX3FqRjVqdy14TDhJTWdLQ0NvQQ?oc=5) · TAPinto
- 2024-10-11 [Sign Up For Statewide NJ Beach, Park, Creek Clean-Ups Held Oct. 19 - Patch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOdGJFWnJJQWJEalZTc3ZOOWtJSEQ4SkpFS2JOMTkzVEVld1Y3a29ZRzFlRVNGT0F0RjBVYS1KTnNMSmx1MFdXVkljRE15MUdMZm5jdWJLMTBHSHEtYVA0dHBUSjJITVkxckpzSU40OU1WcGl3bUJOMzNiUHBJVnFhSzFhb0dKbnhn?oc=5) · Patch
- 2015-06-03 [Rose Michaels Obituary (2015) - 75, Old Bridge, NJ - MyCentralJersey - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQTENqc0Fnb2NwcGFZaE9UdDhXQ3RxLUxlUWZablRBR2Z5VjFILU9WNWNMMEVfS3dkREVfTWVSLXQ0eGQtc2dSUkZMSG1RekxxTmdzckZvRWxCblJ0dUlydEhTbm43VnBiT2RheWhTT1dCWDlmUDNpeHVnVE9WdHoxUGVFaEc5SjJwWURJbEtKanU3bENNeVJ3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4726 (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/54.json (key "4726", 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=4726
- 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