# MOTION
Linden, NJ · NCUA charter 53 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/motion-53

Who the members are: federal charter, multiple common bond, organized 1934. 5,021 members of 976,110 potential (0.5% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *ordinary*. 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 | $62.7M |
| Members | 5,021 (-3.0% YoY) |
| Full-time staff | 11 |
| Net worth | $6.1M |
| Net worth ratio | 9.8% (p18 of band) |
| ROA (annualized) | 0.41% (p34 of band) |
| Total delinquency | 0.96% (p70 of band) |
| Net charge-offs (annualized) | 0.13% (p36 of band) |
| Loans / shares | 69% (p66 of band) |
| Cash / assets | 23.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.25% (p80 of band) |
| Operating expense / assets | 4.63% (p81 of band) |
| Vehicles % of loans | 18% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.66% (p86 of band) |
| Vehicle NCO | 0.73% (p75 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 121% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 3% |
| Average share balance | $5,762 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.5M |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $15,912 |
| Loans granted, annualized | $6.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $7.5M outstanding purchased (121.4% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares -1.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, losing money, delinquency 2x band |  |
| 2016-06 | 4 |  | losing money |
| 2016-09 | 5 | losing money |  |
| 2016-12 | 6 | net worth falling |  |
| 2017-03 | 6 |  |  |
| 2017-06 | 7 | charge-offs p90, assets shrinking | net worth falling |
| 2017-09 | 8 | members leaving |  |
| 2017-12 | 8 |  |  |
| 2018-03 | 8 | net worth falling, loan book shrinking | losing money, charge-offs p90 |
| 2018-06 | 8 | charge-offs p90 | net worth falling |
| 2018-09 | 7 |  | assets shrinking |
| 2018-12 | 5 |  | delinquency 2x band, charge-offs p90 |
| 2019-03 | 6 | assets shrinking |  |
| 2019-06 | 6 |  |  |
| 2019-09 | 4 |  | capital below 7% |
| 2019-12 | 4 |  |  |
| 2020-03 | 5 | losing money |  |
| 2020-06 | 8 | capital below 7%, net worth falling, margin squeeze | assets shrinking |
| 2020-09 | 7 |  | net worth falling |
| 2020-12 | 6 |  | loan book shrinking |
| 2021-03 | 7 | net worth falling |  |
| 2021-06 | 5 |  | losing money, net worth falling |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 7 | net worth falling, delinquency 2x band, delinquency rising | margin squeeze |
| 2022-06 | 6 |  | net worth falling |
| 2022-09 | 4 |  | delinquency 2x band, delinquency rising |
| 2022-12 | 5 | delinquency rising |  |
| 2023-03 | 3 | assets shrinking | capital below 7%, delinquency rising |
| 2023-06 | 2 |  | members leaving |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | members leaving |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | thin capital |
| 2024-12 | 1 |  | members leaving |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 0 |  | assets shrinking, delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | net worth falling, members leaving |  |

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

- 2026-06-15 [18 New Jersey credit unions launch summer food drive to combat hunger - WRNJ Radio](https://news.google.com/rss/articles/CBMilwFBVV95cUxNcm5wYWVxVUVVM21YMkQyM2VJQVc2aXZmQ1AxZ1Zfa2FWLTNhLWJrdHI4emx0OE14VjB6dWpwVkJKNXFpLWU0dnJkM1BLZ3pSMDRHX3UwWnZxbDNsamx2cWs2Q1o1MVlPWDllRnU3OVpVWEZQTG42VHVEcXh0d3B4aDJsS0hTazlBTDB6VktNR24zMWpGSEh3?oc=5) · WRNJ Radio
- 2026-06-18 [18 credit unions in N.J. unite for annual food cooperative to help address hunger - ROI-NJ](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNYmtFejJjOW9WZ2d2d2tEVkNQU0U5ajdMcXJZdkhiV1REdHgzSVkwUE9KLWZBd3VCQWtVSjR0Q1J6cDZobVdlekRoSThYamFwTXlNc3pxTS1vRUZDcmtCYjFNd05lZ0ktSWhuelUzMHJFTG5sZ1I5ay1yT0ZLdGZMMklfcGpRc2VvSzludzlvbXVGaHBvVjhzSnA2aUVOTXJJSlV3Y3h3SEphOTd4QUo5a21uMUh5Q1hyNHVaRU1yU2w?oc=5) · ROI-NJ
- 2026-08-13 [Filings reveal former JAFCU head likely facing criminal charges - WLBT](https://news.google.com/rss/articles/CBMinAFBVV95cUxOY2dQWkRYN0tHS0JOTG1HRTZvVWxJTW5xRlVEQVRpU3BtcmJBSktBYWJBeHhNeGU3cnJoTzZXc3FySmNXa0VoZlVkNXdkd1F5R3NGZmsyeTdERjd3V2ZrTFZzS3IwN1gxeGVzbGl3aThoRWVqZzR4ZkpaaHc3bkVaMWo2UmlIcEYxX2tWU3F2VXJhZUducVhGNmlxdVHSAbABQVVfeXFMUHE5c2NvMXNXbFpFa1N0Q2N2aG5FT2tSQkIwN1J3VENVLTJpbWhYd2dpSEw2ZXhPLVdtUlQ0WWNqbGxzdV9rTWNlQUFsZU11Z2otZU1JU0kxcXdxb0ZxUG5nLUYzVDUteTFTQ0JFMUNCTzRvT3FVTkFuUDJsWEhaaVB2bHVFQnVCLVpzcGZicmFqd3BqbEJ0TWdPaDZMckVRMjNiM2ZsZWpKS21OejRTQWg?oc=5) · WLBT
- 2026-08-07 [What Was Filmed at the James Ward Mansion Last Week? - TAPinto](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPYWJRNnhmay1OZ1hYSlpFbl9vYWxuTWxpTFJuMnlwd2ZGTmhjVGZybWw2N0pvaDNtOHRHTFBkLW54d2R4NHJHM1NyQlBQdENNMHhFSTFBWVhYWXppcDdUS0RTRlc5X3p0YTRQMlk0b1JMNHlTcEcwVEdxWVNWaEg1Y21JTFd4d29CdXlGVmw5WVhQRl93ZGpXRGV4aExRUm92MmZMTHRxRW4teFVQc1BfTU5VWWZESTRkNlpVTFZocUREcVdHNllRYmJmcXZ4MHJsWS1DMW9QMHV0RC1ORzNEVF9nVFdQRVZPU01tRjFRekpqbzNqcWhIWXdwSWs4Zw?oc=5) · TAPinto
- 2022-01-26 [Sharon Kolbe Obituary Jan 26, 2022 - graypescitelli.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE8xYXVVQjBZV3FtaFZLS3Z5MkR6bC13NlI5SEtPdm1BLUN1QVRPdXZyTnFtNmpzMlFTc2gtUXExYWx1WWZndVJlS1pLRHIwbHROMlowOE9naXF1NENpRk05RkxMUl8?oc=5) · graypescitelli.com
- 2016-11-23 [Judge: Leo A. Glodzik won’t have choice of federal prisons - Times Leader](https://news.google.com/rss/articles/CBMimwFBVV95cUxNV0wyYUJKblAwZE9RMUxwVDJGT0N3MTZ0Zl9QVlZ0X0lUZTN0ZFVpUkJ3TzQwMTFQTmg3WHlLWXNrWGE4S0FTbUdnTGxHdFRjLTNqRzMzdy1RNFlra1M4VlVQTkdVS050ZzRtd1JKUzUySHZrcFdOTkNZZHllTG8tckdwMDdJeC1yVEVvTDJDWHBFRzhoa0ZhZmpmNA?oc=5) · Times Leader
- 2026-01-22 [Billy Bob Thornton, Ariana Greenblatt Film Scene for New Movie at Vicki’s Diner - TAPinto](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQdjZYVzVONXFzWFRGYU54ZVRWVk9RZFVhRUVwNE5sT1RuUWRnaHp2OGRMaTl0aDlnZWsyOEx4ckpPVU45UWl5MXBBb0w3U3VtazdsVUgwTk0xZktFSDRmTjZIS3cwWmp1dldxdXRPc3dqekxnemM1QTNPeUZCTHUzaXJ1Y0doQngtWGVmWk56bFA0ZTZJN3EtT1BFdnhhSDA4TS02dHZSblR3T1pWcnVWZnNsZ1ZXaDNBNDFZUl9ubUV5MS14ZGlDUVpwQ1FOdmEyMkNnaF85Q2NJR2hIQ3F1MV9KY25DdWlFOGVoNGZyUzk?oc=5) · TAPinto
- 2022-02-08 [Sharon Kolbe Obituary (2022) - Clark, NJ - Gray & Pescitelli Funeral Home and Cremation Service - Cranford - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNeEZFTW9wNTBTSXFZb092WEU5MGxqVmNhZGNpZTU1VktXRE9Ea2o3MERvczFOX0xUa1RKLXR3LXBzWThMME4xSDJucnZubVhBQ2ZSZEVOZ2ZfMUVBQ0llVHEzc0NNa0hnLTdiN1plVDRiUkpGYTFwVE9Wc2I0aHh0UGtfcw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=53 (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/53.json (key "53", 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=53
- 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