# RIDGEDALE
East Hanover, NJ · NCUA charter 5419 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ridgedale-5419

Who the members are: federal charter, manufacturing (single sponsor), organized 1947. 3,703 members of 8,000 potential (46.3% of the field); checking penetration 88% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $100.5M |
| Members | 3,703 (-3.3% YoY) |
| Full-time staff | 16 |
| Net worth | $9.0M |
| Net worth ratio | 8.9% (p12 of band) |
| ROA (annualized) | -0.53% (p4 of band) |
| Total delinquency | 1.34% (p84 of band) |
| Net charge-offs (annualized) | 0.79% (p84 of band) |
| Loans / shares | 50% (p17 of band) |
| Cash / assets | 10.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.28% (p29 of band) |
| Operating expense / assets | 4.15% (p67 of band) |
| Vehicles % of loans | 12% (p10 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 1.81% (p89 of band) |
| Vehicle NCO | 4.42% (p98 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 82% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 23% |
| Average share balance | $7,149 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $24,663 |
| Loans granted, annualized | $7.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## 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 | 1 |  |  |
| 2017-03 | 1 | members leaving | delinquency 2x band |
| 2017-06 | 2 | delinquency 2x band |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | delinquency 2x band |
| 2018-03 | 2 | delinquency 2x band |  |
| 2018-06 | 1 |  | delinquency 2x band |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency 2x band |  |
| 2019-03 | 2 | assets shrinking | delinquency 2x band |
| 2019-06 | 5 | losing money, delinquency 2x band, delinquency rising |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 1 |  | assets shrinking, losing money, delinquency 2x band, delinquency rising |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 5 | net worth falling, margin squeeze, loan book shrinking |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 7 | thin capital, delinquency rising |  |
| 2021-03 | 7 |  |  |
| 2021-06 | 3 | delinquency 2x band | members leaving, net worth falling, margin squeeze, loan book shrinking, delinquency rising |
| 2021-09 | 4 | members leaving, loan book shrinking | delinquency 2x band |
| 2021-12 | 3 | delinquency 2x band, assets shrinking | losing money, thin capital, loan book shrinking |
| 2022-03 | 4 | losing money |  |
| 2022-06 | 5 | net worth falling |  |
| 2022-09 | 3 |  | delinquency 2x band, net worth falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | members leaving |
| 2023-09 | 3 | members leaving |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 5 | thin capital, net worth falling |  |
| 2024-06 | 3 |  | thin capital, net worth falling |
| 2024-09 | 2 |  | members leaving |
| 2024-12 | 2 |  |  |
| 2025-03 | 5 | thin capital, net worth falling, delinquency rising |  |
| 2025-06 | 3 |  | thin capital, net worth falling |
| 2025-09 | 4 | members leaving |  |
| 2025-12 | 3 |  | delinquency rising |
| 2026-03 | 5 | thin capital, delinquency 2x band |  |

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

- 2026-07-28 [Avenged Sevenfold Setlist: What to Expect from 2026 Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFAtY04yd2NldDhsemEzQ29ZeUJUXzhCWjRsY18yc3NiX0tmb3QydlRyMHJuUWtxTTYwbmExaUFYZVNHNk5xc3RReVZqYXR2YXhNdDZhOEMtU25qd1pKVWNzTk1ILUFHalk?oc=5) · Ticketmaster Blog
- 2026-07-27 [Avenged Sevenfold and Good Charlotte Recap North American Tour Launch - antiMusic](https://news.google.com/rss/articles/CBMisAFBVV95cUxQdEluYVdaN1hxVEQ1bHoxbDVuN1p5eFNnZ0lPX3NsQVptd25ldzFPaEhLTnFFMWVIMVd3cDFvZmRpaXFPT3EwRjJBTEhibHhObjlWV0xxMlBBdTJpZ3FwY3Jwcm1IN3ZFM0tZZllaVjdlc1JSbkJTR2NIbDVuZ1B3c2ZDNU5ZRm5WTEZVYTdza1RzN19rTEdXMTV4dG9aYkZRQ3kyeU5xdFREMVJhcUZQRQ?oc=5) · antiMusic
- 2022-11-17 [Ridgedale Federal Credit Union Hosts Ribbon Cutting Ceremony - morrisfocus.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOZHU0ZzVfOWN5M2V3a0NkaE9qMWpFeURZWFJ4blp6ZUhCMWlxd1lVZTZTV1ZROHJuSERhbFUxZV9MLTZCcUF1ME1pcVRVZHFFX1JMUWU3MmFIZFNHSVVsa1VEZzlnMHRmV3dqTF9VdzRjYzVPVUdMYml1V1FTaVh1X1MweVJSZGQtVUhhdDkwcTdtWTRtdEYycVZEZFI?oc=5) · morrisfocus.com
- 2025-12-08 [Avenged Sevenfold + Good Charlotte Announce 2026 North American Tour - Loudwire](https://news.google.com/rss/articles/CBMijgFBVV95cUxPczZmc2RWUkROMVpzamVxcHVPYml3YUQtRDJPVEgtYkZNNlVPZ0M4WTh6eHEtV0pEZHMtblBReXJWX1Zkbk5kT2kyQnNKdTJPZmI5bzkzMjdkbE52QllOMzgtUlZmUFI3c2MxU2E5TWpYbGZkbmdodWk1c2lPY3paSV9Kd0dQZ0Zkc1BGY2dR?oc=5) · Loudwire
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPY011M3NUVWlxMkwtODlVR2l2M2Z2eWdSNng1dndycGFTdkg3V3Q2NjI5bFJCYjdULV9VdVdrMnFZcWhyY19xeURnSExyTVQyemhmZVFDV2RHOVBkTEJNakc5T2ZPZHkxYUltN3BKRkVBVzk5YXNrY2NtQVEwQXFlRmFNZ3I0dWRpOWVTbVJIU3lIZw?oc=5) · Newsweek Rankings
- 2024-11-22 [Morris County mall slated for NJ's next Amazon Fresh. Here's what we know - Morris County NJ News | Daily Record](https://news.google.com/rss/articles/CBMiugFBVV95cUxQR2dsTDZWdy1FOHlMSHQ1SnpqWDdRcExfT3ozejFGUnl4c2lRaGlOYkczeUsyOTZ1TWl3RW1NZ2lITWVTVUNrQ3FoY0QweTI1MzJERVE0akRVdHhkaFJPRXJhTWNXYmxXd0FsSHVmZ0p2WTVNTUZXUG1qQ0M4bnNuLUgtS1VLbFBqdTBQVDNfVUM0dmZBeS1PcEF4MlplUG1oczBkcTdwTzJMREhRbEVHT2duNTcwQVlGNVE?oc=5) · Morris County NJ News | Daily Record
- 2022-10-26 [Novartis FCU announces name change to Ridgedale FCU as part of strategic rebrand - PRLog](https://news.google.com/rss/articles/CBMitwFBVV95cUxQSVFDbWc4MXBBS25HN2ptbWgwRDhLc09yNTAwSUhCZFF1Y2kxZ0s0WWdJbGR2eDBla2VVR3poeHRaZVp0TVg0MFJ4dWFzUXQtcnFDREZnX1R1RTRtTkVZeWxzdEU0TFN0UmliWW96dUxoN2pzWTRaVXBfRE1Rb3RmT2ZxXzVvaXBrWlVfaThhS2c3WURLMndDcUU1QTJTTTNSZVd5S191d3ZQcmpPOUJMZzN1OVJoeXM?oc=5) · PRLog

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5419 (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/43.json (key "5419", 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=5419
- 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