# UNILEVER
Englewood Cliff, NJ · NCUA charter 5736 · asset band <$50M · latest filing 2025-03 · stopped filing after 2025-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/unilever-5736

Who the members are: federal charter, manufacturing (single sponsor), organized 1948. 1,416 members of 5,200 potential (27.2% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *too clean*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $49.0M |
| Members | 1,416 (0.0% YoY) |
| Full-time staff | 5 |
| Net worth | $4.4M |
| Net worth ratio | 9.0% (p12 of band) |
| ROA (annualized) | -0.79% (p11 of band) |
| Total delinquency | 0.00% (p9 of band) |
| Net charge-offs (annualized) | -0.02% (p16 of band) |
| Loans / shares | 92% (p92 of band) |
| Cash / assets | 12.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.16% (p1 of band) |
| Operating expense / assets | 2.24% (p15 of band) |
| Vehicles % of loans | 7% (p7 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% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 87% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 32% |
| Certificates % of member funds | 56% |
| Average share balance | $14,990 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $60,507 |
| Loans granted, annualized | $5.2M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 4 | capital below 7%, net worth falling |  |
| 2016-12 | 1 |  | capital below 7%, net worth falling |
| 2017-03 | 4 | capital below 7%, delinquency rising |  |
| 2017-06 | 1 |  | capital below 7%, delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 3 | loans>95% of shares |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 5 | members leaving, leaning on borrowings |  |
| 2018-12 | 4 | assets shrinking | delinquency rising, leaning on borrowings |
| 2019-03 | 1 |  | loans>95% of shares, members leaving, assets shrinking |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | loan book shrinking |  |
| 2019-12 | 5 | net worth falling, margin squeeze, delinquency rising |  |
| 2020-03 | 3 |  | loan book shrinking, margin squeeze |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 | loan book shrinking | net worth falling, delinquency rising |
| 2020-12 | 3 | delinquency rising, members leaving | loan book shrinking |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 1 |  | delinquency rising, members leaving |
| 2022-06 | 3 | assets shrinking, members leaving |  |
| 2022-09 | 1 |  | assets shrinking, members leaving |
| 2022-12 | 2 | assets shrinking |  |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 3 | losing money | delinquency rising |
| 2023-09 | 2 |  | thin capital |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 4 | net worth falling, margin squeeze | delinquency rising |
| 2024-06 | 4 | delinquency rising, loans>95% of shares | net worth falling, margin squeeze |
| 2024-09 | 2 |  | delinquency rising, loans>95% of shares |
| 2024-12 | 4 | thin capital, net worth falling |  |
| 2025-03 | 1 |  | assets shrinking, thin capital, net worth falling |

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

- 2025-05-01 [NCUA liquidates NJ credit union - Banking Dive](https://news.google.com/rss/articles/CBMilwFBVV95cUxQX0NDR0VfTFRJclh0NXFjcFBXR0RPQXBETklzX2NxQzJzN1VzSlRTOE5RQ09zeHF4MXJ2MjN6T3pTRlRXeURCR1ZRVjRteHRKTTVDOGE0X2RHaG5UWVdsY0pRbTRMMlczckRSelVWT3Nyc3AyNVpfZktOSmZrbWtlb2JZd2xJb0VLY2Q4WmF1S0hpVXJkd1BJ?oc=5) · Banking Dive
- 2025-05-07 [US-based Unilever Federal Credit Union liquidated by NCUA - FinTech Futures](https://news.google.com/rss/articles/CBMivgFBVV95cUxNZGZRa0hqRU9MUU5VcmphVlJWYnRoRFFjbG5fUzdGeXFnUzdwYmJTWkFKNUk0YnE3WGNqaFNObzhtaVNhcEpCQ3V5WE5ULUQ5eG1FYlZSTXlrSXlZNk1LM2xxSDIwa21id0hoU0xXVkFwRkx4NTYtR0F3UzNkdTZtRTlkSUI0Q3BWMFIxQnV2b3pocE1xQTJNODU4VXpIazdFT3FXWFM3V0Y2eUtDUlR1Tm9xRHpPVzV3bVpweW5n?oc=5) · FinTech Futures
- 2025-12-05 [All the Banks and Credit Unions That Failed in 2025 - U.S. News & World Report](https://news.google.com/rss/articles/CBMilgFBVV95cUxORWgzQ0UwU1QtamFOSUV2VkNBM1VMZGxabDZtWGtwT3dlb19Sa25nRjR0dVo2eExQNWoxcEgwMGV1WjRGSWJ0Rzd2cmZCdzZsNmVKN0JxTUF3dkNZM2w5aDRHMEpZY0N5RldKYjlLNlVZUml5aHFid1lIWktQMi0tYkROVkU5d29oU05BZ0s5TVJtU2NxQlE?oc=5) · U.S. News &amp; World Report
- 2025-07-01 [NCUA closes 2 credit unions in 2 days - Banking Dive](https://news.google.com/rss/articles/CBMiogFBVV95cUxQalp4a3lDWDF6WWc5ZjJGY0tqSlg5UDV6czhORFAxVWhQZU1YS2F0QURwWlJSWW5BbXNYSGVpWHdpczAxM0g1dFlER21pV2dWR1lYZ2ZGSWtXS2pCUHU4OGFoVUdrTk5oQXJIdlp5MzJ1ajRhYkhHTkZKem5ER2dMa0dNWXhReXRrMVQ1dnNhak1xRVdEVFZ1NFRJbkFQaGZJd0E?oc=5) · Banking Dive
- 2025-05-02 [Vectra Bank Colorado's president retires - American Banker](https://news.google.com/rss/articles/CBMigAFBVV95cUxNM0kwcDh4Rmpxdlo2MFpTQW95Nm5HZnp3TTQwYlgzZ01LWVZuYmdyVnBMbDNaUnhvQ2x2MlVZdm4wU3YybXE1c3A5LU9kNjVubHpPRk5LOFRybDRTcnV2SzB3VEx4b2NvU1ZCQjBuM1FiVFlqYzdRTlNGNWotSUZzYw?oc=5) · American Banker
- 2018-05-30 [The new ‘U’: Unilever’s revamped U.S. HQ is thousands of square feet — all aimed at helping its employees thrive - ROI-NJ](https://news.google.com/rss/articles/CBMi9wFBVV95cUxPU2RvbVlCNUFLamRUdDh2OVJnb0tJczlMZEFrYl8zTHRvYnBta1hiWlVpUUNPb0NrNHFVMk84dHozbWFYaDdDX1hPV3RWeDd6cnJnWVVMS21NZDRPb3NVQWRLNUxQZUlQMlk3ZFdtZG5jZmFiNjZZU3liYUdJbW5wWW5Oalp5Wk1PX1RfbzVUQ0tzNEZYUTVYN2lQd1NPRXZfNllMS2t0WjczUGx0TmI5VXJXV2xRSEhZdVdkb25MNldEZkFqaGpOTnlRY3hnNHdXTmRGU1d5aHQ4V1AtWDlSR2g2aTdZNXYwcHNMemQ5Tml3d2NqeFM4?oc=5) · ROI-NJ
- 2020-09-11 [Montclair-Based Group Still Protecting Feral Cats Amid Pandemic - Patch](https://news.google.com/rss/articles/CBMipAFBVV95cUxPTW14dmVNN1JreEdSY2RGMi1TNmxEbHpzaVB6X3lzRmlPWUFmYU9CTXF3SjFGYkthZFVJZ2IyTGh2bWFJbDlNVGlDRC1kb3dleFhteXlfMU9na3ItZlFPMVEtWE5qVV9qT3Vjb0F1a21yeDZZSWpwZ25KUWpvSDZNX0lYako4T2Y1bXBTZVFvXzZGX05UYmprcTF6ZzBpMFZRWURQYw?oc=5) · Patch
- 2025-06-20 [Warren, Waters probe NCUA chair on Trump firings - Banking Dive](https://news.google.com/rss/articles/CBMixAFBVV95cUxNNHFiYVQ4WGdPWFE3SjFHUEJlVXo5eDl2UGg0TXR1X1hhVjJJU01IU2ZRaXo4UDhCVVVkZmkxQnVXZEZRMHhOLW04NTgyYldjTUdhd2ZFZTg4YXNSNDZOc2FMVjFYUlhmamIya2ZVQkVGcUZIdldwUHJnSjBTVGxNNkRrYmdCbC1YRHBCMjBVaFVJcUE4ZFZjc2xneng0dFdBdGZKS1NHN2tzU3dzdXc5VzdzYjN2VjR6R1VvVVFpczhtNWNi?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5736 (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/40.json (key "5736", 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=5736
- 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