# COMMUNITY FINANCIAL SERVICES
ROSELLE, NJ · NCUA charter 6179 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-financial-services-6179

Who the members are: federal charter, community charter, organized 1949, low-income designated. 2,718 members of 604,983 potential (0.5% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 32.

**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 | $31.7M |
| Members | 2,718 (-9.8% YoY) |
| Full-time staff | 7 |
| Net worth | $4.2M |
| Net worth ratio | 13.1% (p38 of band) |
| ROA (annualized) | -0.89% (p11 of band) |
| Total delinquency | 2.95% (p86 of band) |
| Net charge-offs (annualized) | -0.11% (p11 of band) |
| Loans / shares | 36% (p20 of band) |
| Cash / assets | 21.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.62% (p39 of band) |
| Operating expense / assets | 5.20% (p81 of band) |
| Vehicles % of loans | 22% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.14% (p67 of band) |
| Vehicle NCO | 0.09% (p72 of band) |
| Repossessed % of vehicle book | 0.04% (p92 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 6% |
| Average share balance | $7,024 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $196,053 |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $11,711 |
| Loans granted, annualized | $1.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $196,053 outstanding purchased (4.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -5.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

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

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

- 2026-05-12 [Community Bank expands Rochester area footprint with $15.6M investment - rbj.net](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQSlZKN24tUS1WMUVFVlZxUTJjclVfRWdFRVk2THNiZzFyM2xxZnNDUXY3akVxUzF1c2NLQzM2Y3ByOWROQVItcU9RZUk1SUpxM2lyaGFQbHl1WWFSMXhsTXZJQ1BXQ0NFdTVrVTdZWjdpM3NmcE1hdGpqQWthbEVzLUlkN0s2cDU5a0Jn?oc=5) · rbj.net
- 2023-05-25 [Housing Market Industry Group Urges Supreme Court to Preserve CFPB’s Mortgage and Real-Estate Regulations Regardless of Constitutional Question’s Outcome - Consumer Finance Monitor](https://news.google.com/rss/articles/CBMiqgJBVV95cUxQMUVFaEdORDA2NWdlbG9ia3FzMVZ4OXN0SU0zUFBfSnlNM0JzTkpCODAtSGhyMnJtNHNuMDdRZTZ1MEgxbnNUa1czYWhqOS10VVlwRkhqNUxmUVZoaDVoNlpGQk1ZZHNhckZSVjJINTIxU05jWmRxQ1VFNEU2elRtVWNSSk05emFZdmpSb0dIVkRweEFod1F3ZkV4LVNGR1lxbUN3ZnZKQ1haM21Fb1FnZGI0a3BYM1Y1UzJYSEtWaTlsTC1yYmJCbkhMcnRHZlpkYk04VjNoTEVaT0Uzb2VZRmtUY2tPUHdjY1BPSUoxRlY1VVFQTGY3Sy1qSHl3a2x2aVh1THlzUkM1ZFVsZUdKTjMzenE1RUJwUk0zVTlqOGFuaEtjYVREMVdB?oc=5) · Consumer Finance Monitor
- 2024-04-30 [Navy Federal contract, Republic First failure: April's top banking news - American Banker](https://news.google.com/rss/articles/CBMipwFBVV95cUxPaHhQQWpUY3FOT0ZBWEUyMEdNaUw2QVloZnA3SFN5ck5RRjhpaWhCTC04Q3FZN3ZkRzJ2RWROVURtUzFmUnltYnN5YnI1WG9rWlVMQzJvb3g5LVMwLVp0VkQ0OXVRRTU4Y25FSVRSRWVRaHduSTN6VkZES2xGVTJjbzg3R0hvTmlTY2o5blRIV1BnYm1GSFlRaVJLWFZwd1BwMS0zNURCNA?oc=5) · American Banker
- 2015-11-19 [Emails reveal consumer protection agency’s cozy ties - Politico](https://news.google.com/rss/articles/CBMimAFBVV95cUxOcmJQVjhOUFhIc3Q3T05tNzhoczQ0WnE2M3dteGVmZHRfNHNESnhiX2hCY2JnTERfOE1NV21meVBsUVdYd3NvZUcwSzN2RnhaWVY5eVgwc0ZFMTB1aWJnb1lNTXU2LTRoTGd1Rjhrd3BGWUc1X3R2eWZMdWt3OHRBcmRnRUFXQ3JsdGxjWjZ5REtkQzBIejlQUw?oc=5) · Politico

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6179 (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/35.json (key "6179", 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=6179
- 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