# CREDIT UNION OF NEW JERSEY
Ewing, NJ · NCUA charter 65597 · asset band $200-500M · latest filing 2021-03 · stopped filing after 2021-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/credit-union-of-new-jersey-65597

Who the members are: state charter, organized 1943, low-income designated. 36,699 members of 841,255 potential (4.4% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 49.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $420.6M |
| Members | 36,699 (-2.8% YoY) |
| Full-time staff | 69 |
| Net worth | $26.9M |
| Net worth ratio | 6.4% (p1 of band) |
| ROA (annualized) | 0.86% (p74 of band) |
| Total delinquency | 0.74% (p85 of band) |
| Net charge-offs (annualized) | 0.38% (p81 of band) |
| Loans / shares | 73% (p72 of band) |
| Cash / assets | 21.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.15% (p88 of band) |
| Operating expense / assets | 4.19% (p92 of band) |
| Vehicles % of loans | 20% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 3% (p30 of band) |
| Vehicle delinquency | 0.55% (p80 of band) |
| Vehicle NCO | 1.14% (p92 of band) |
| Repossessed % of vehicle book | 0.00% (p54 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 57% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 8% |
| Average share balance | $4,845 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $16,072 |
| Loans granted, annualized | $52.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, expense trap, delinquency 2x band, loans>95% of shares |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 5 | net worth falling |  |
| 2017-03 | 5 |  |  |
| 2017-06 | 5 | charge-offs p90 | net worth falling |
| 2017-09 | 5 |  |  |
| 2017-12 | 4 |  | charge-offs p90 |
| 2018-03 | 7 | net worth falling, charge-offs p90, members leaving |  |
| 2018-06 | 6 |  | net worth falling |
| 2018-09 | 6 |  |  |
| 2018-12 | 7 | capital below 7%, losing money | loans>95% of shares, members leaving |
| 2019-03 | 7 | net worth falling | losing money |
| 2019-06 | 6 |  | net worth falling |
| 2019-09 | 4 |  | capital below 7% |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 8 | capital below 7%, net worth falling, margin squeeze |  |
| 2020-09 | 8 | members leaving | net worth falling |
| 2020-12 | 7 |  | delinquency 2x band |
| 2021-03 | 7 | net worth falling, delinquency 2x band | charge-offs p90, members leaving |

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

- 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
- 2025-10-17 [Credit Union of New Jersey reopens remodeled Lafayette Street branch featuring innovative ITM technology - CUInsight](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNU0VwUUxhUXFfVVJrN29BZXVFV2JLV0NFV2NjekdMa0hETVlkanlrSkpfV0NnVExBQUtMLS1BazREaUo5NUczZWcxU1JpNzhxbW1BNW13c2ZwWWQtc0JoMWktU29oQXNPeDZVZUlZc2dnRmwtZThuZUE2MzRJT2NYMkxlNWgzZl91Q29uOGY1UmVuSmhqeU5aNF93MllvRlF2QV9hNHI2OENVUkVudVZVbDdubEd6V0dxRlBiRWFxTE4tbW1LZHZoTDEyODBuRXZVcnJiZE1uak9VbmpCd3c?oc=5) · CUInsight
- 2026-05-18 [Jersey Shore visitors are feeling the heat, but not just at the beach. The trip is getting more expensive. - CBS News](https://news.google.com/rss/articles/CBMimwFBVV95cUxOU0NBaHBZczFYODJuMnFqamxBVFJ3NHdHUVVjb3FCSXRPR18weWd6SVhXSWg3ZU9yQ0oxVjgtSmd4TkJyZVB4c015TjVueElDYmUxckVCby14TjZPdFhTUDhERHg0YWV5MTZNemtLTnNVRkR2UFkwYUpEczFQMFFmR2loU3JVT3lmaUZJZjAzb3lSMENWOW45UWFFTQ?oc=5) · CBS News
- 2026-05-18 [Significant Price Increases Anticipated For Jersey Shore Vacationers This Summer - Business Wire](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOT3NIbkVyYmJXbW1DM0ZlYXd0OThSNnF3bnd0dDM2S0c4Ql9lcXNMUjJJVGNVckJ1Ung1OHU1a3Fqc0RJa2FXOUZpWlQ4cFM4TTkxQVk3N0xVUnlHVHNBekVrUHNzZ2g4LUZkLTJkWV9zZXRycmJWN1ZXSE5vYmdzV2g5V3VKUWVoNk05dDFWUUd2Q0VuOEhVRmpMUldoVUNrcGFIMTN3bUowNzhTSFJEZlNndkV5SWEtamZ3M1FsYkdrMHZ5dHNDVHFjT0xRTV9GTGNr?oc=5) · Business Wire
- 2026-08-07 [Army Recruiter Used 7 Recruits' Identities to Claim $266K in Illegal Bank Loans - Military.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPTG80Q1ZmSWFPNTdzUjNMZzlmdTZIa25sQ0l6OWdnSzR2RVdTR25IaHNEclV5YUJwNWtSeHVFQzNXdm8xX21weW1uRDY3RHp1RVhPRFRhYXE1VnQ4bE9tbUZJSmh5dk44M3BaNGl1cmNBdVZrZGc0ellfS25SSWRQSXhrVDktNVhqT20wRXlkdnBURVBFVTFSSQ?oc=5) · Military.com
- 2025-08-06 [Top New Jersey credit unions ranked by 2024 assets - NJBIZ](https://news.google.com/rss/articles/CBMia0FVX3lxTE9MNS1kWUVlSTczN2FTNTNCWmxfQlF3bXhHUGw3UXdleHZmNW54VTZKR3JyVHF1V2dpRGpub3FzN0RySEVvWExBWExCcHlmNExuX2NTdlB1X2g4MEdwVHZaOG83T3lFbEJCSmVJ?oc=5) · NJBIZ
- 2025-11-26 [Holiday Model Train Show Returns To Union County - Patch](https://news.google.com/rss/articles/CBMijwFBVV95cUxNcUlvUGZGWVNoMzZiX18tQTVwdHV3WTZ1akp4VnhfRXpGbk81UllpY251d2RUMDRocDFsOGdpclBvOHdZTzdXeW5vRGhRN01RS1JCM2hvYTYwUjlsZ0lwMlVacnVYazJpS1dPTHEyOGxPU2swM3BpMHhnSUlqSWxXSWFGQjZHQlg1TEhBc0NTTQ?oc=5) · Patch
- 2021-03-31 [Visions Credit Union commits $1 million to NJ students and educators - New Jersey Education Association](https://news.google.com/rss/articles/CBMikwFBVV95cUxObkJDYVkySGJTYzVnRHJyZmxBSnYyVExIRWVXSmltSEI3N0FleG5Gdy1qM0J2NFYxenAydEV2dmVpdVFNTHFnbkI5VnpwUjVHYk83dUJUeFpaQ2pKMWQxWmtUUGMxTzJ0bTZJajR6eEhURTRnWkgyQTVZbjdGTTdNNUwwTTdNZG0yeTYteEM0ZVdiclE?oc=5) · New Jersey Education Association

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65597 (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/61.json (key "65597", 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=65597
- 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