# FINANCIAL RESOURCES
Branchburg, NJ · NCUA charter 6665 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/financial-resources-6665

Who the members are: federal charter, multiple common bond, organized 1950. 30,297 members of 909,961 potential (3.3% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *participation buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $634.2M |
| Members | 30,297 (3.6% YoY) |
| Full-time staff | 95 |
| Net worth | $57.7M |
| Net worth ratio | 9.1% (p23 of band) |
| ROA (annualized) | 0.13% (p10 of band) |
| Total delinquency | 2.78% (p100 of band) |
| Net charge-offs (annualized) | 0.44% (p51 of band) |
| Loans / shares | 85% (p63 of band) |
| Cash / assets | 6.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.20% (p32 of band) |
| Operating expense / assets | 3.68% (p57 of band) |
| Vehicles % of loans | 6% (p4 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 41% (p34 of band) |
| Vehicle delinquency | 0.94% (p73 of band) |
| Vehicle NCO | 1.25% (p67 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 182% |
| Core shares % of member funds | 35% |
| Certificates % of member funds | 36% |
| Average share balance | $10,935 |
| Participations bought / yr | $40.7M |
| Participations sold / yr | $43.0M |
| Participations outstanding | $34.4M |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $37,731 |
| Loans granted, annualized | $179.9M |

## Participation posture (from the same filings)

Bought $40.7M and sold $43.0M in the latest annualized quarter; $34.4M outstanding purchased (59.7% of net worth), $30.6M sold and retained. Sold in 8 and bought in 5 of the last 8 quarters. Shares 4.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | thin capital |
| 2016-12 | 0 |  | delinquency 2x band |
| 2017-03 | 2 | thin capital, net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 0 |  | thin capital |
| 2017-12 | 2 | loans>95% of shares, leaning on borrowings |  |
| 2018-03 | 1 | thin capital | loans>95% of shares, leaning on borrowings |
| 2018-06 | 1 | loans>95% of shares | thin capital |
| 2018-09 | 4 | delinquency 2x band, delinquency rising, leaning on borrowings |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 | losing money, charge-offs p90 | loans>95% of shares, delinquency rising, leaning on borrowings |
| 2019-06 | 5 | members leaving, loans>95% of shares |  |
| 2019-09 | 5 | leaning on borrowings | charge-offs p90 |
| 2019-12 | 3 |  | losing money, leaning on borrowings |
| 2020-03 | 2 | losing money | members leaving, loans>95% of shares |
| 2020-06 | 3 | thin capital, net worth falling | losing money |
| 2020-09 | 3 | delinquency rising | net worth falling |
| 2020-12 | 4 | losing money, margin squeeze | delinquency rising |
| 2021-03 | 4 | net worth falling | losing money |
| 2021-06 | 2 |  | margin squeeze, net worth falling |
| 2021-09 | 3 | margin squeeze |  |
| 2021-12 | 3 | charge-offs p90 | margin squeeze |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 5 | net worth falling, delinquency rising, assets shrinking |  |
| 2023-06 | 4 | leaning on borrowings | delinquency rising, assets shrinking |
| 2023-09 | 5 | delinquency rising, loans>95% of shares | net worth falling |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 | net worth falling | loans>95% of shares |
| 2024-06 | 3 |  | leaning on borrowings, net worth falling |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 3 | assets shrinking |  |
| 2025-03 | 2 |  | thin capital |
| 2025-06 | 1 |  | assets shrinking |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2026-02-24 [Financial Resources Federal Credit Union Named Official Credit Union of Red Bull New York - Red Bull New York](https://news.google.com/rss/articles/CBMixAFBVV95cUxPX0RFZ1VwWklKUjdqNFZlT0MzNzR1VE15ZmlmRnZMeEJFbV8tVWd0NGoyU3N2djZtYWFMWEFmQkxIVXlYS0pUSm9RMGJBTm9SRGNwS092TVA2c1VCMWpaSGtITzdkdU5NZmtBbjY5MExiQ0h3dWcxOWtxbUR2b0RScHp4YVpTWWR2YWFkYzhMT3QzeDNWODJOX1BmT0FIS3BkbHpXLUtBV0dqMEk1T19uSzJVVnU0eWFMdE1BTlFLc2oteXVu?oc=5) · Red Bull New York
- 2026-04-02 [United Way of Hunterdon County partners with credit union to launch financial wellness program - WRNJ Radio](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOU1VMY2pTdG94TGlBdGV1U0phNEFjMmZPUXlKVEl4Nmx3VzNmUDd6TGUydWwxWEdkcl9RamZmb1Zwa3ZLLXVkS2Z0S25idl9mbkF5dVlWM2ZOM0tUd0JlVE5PcFBrZlVNcV9oUXhHSkdSdE1zdGZ5d1phUW1DZkkyYnNqNXlHUENiNnBhazV0Rmxkd0lYc1JzVlRwdGZtb1pMT3BXRnNWbkFOc204WDZRYjZOeFdQWURo?oc=5) · WRNJ Radio
- 2026-07-28 [Red Bull New York Unveils Club’s New Service Dog 'Harrison' in Partnership with Financial Resources Federal Credit Union and America’s VetDogs - Red Bull New York](https://news.google.com/rss/articles/CBMiiAJBVV95cUxPZ1hGMFJhVXU1dG4xUkMxSUN2Z3oxbU9hd2tyb1RRN3J0b25JcGdpclhYdWJXem5CMXlGMEpHRXVwNjh0S2ZIV19CMkh3cmJiYTB6NGlMRVN3eHppZ3p6d3E4aUF3SWZ1ejFJc2hpOEJtWXQ2WXRoZmZmaXVYWkFiNkxXSVZEN1lqWmpZOGNHczJkNTZZQ3lRZW12RXVPT0lSeXNabm95dV9ZN1RFcTh2N0xRM0dxTWthTXBrR0FTSm5BM29ZdWdwUlVvMVJuV3BXcXAyd19rWVhFNE9DU185cXJkVE1hMnRmQnZEbF9uSmo1bDBxb1cyZ2R6M0tUbzJwQnhrS1RmYlo?oc=5) · Red Bull New York
- 2025-06-11 [Financial Resources Federal Credit Union: Putting People First - Newswire.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxONWFUb1RLNFFFN2U4R1d2R2h2SHVFZjhUN2w5M0x5ZHpVcy1XVWNRSGtBT2ZCUzRPRWtPam1KT2ttQUxfYjBpb0RwM2dZSHNReEtRblpvVXdUR1dMZVJlRV9UZU11bjRGOXdIRFpzVTVjQUxyTDYwaERpckVuejBrSVB2RTV1TnBGV0NoVnF2QmV6RloxVmVDSFdNdW5vWGNGQlE?oc=5) · Newswire.com
- 2024-01-11 [Office lease with Financial Resources Federal Credit Union brings 19K sq. ft. building in Branchburg to full occupancy - ROI-NJ](https://news.google.com/rss/articles/CBMi9gFBVV95cUxQYl9wOVZCU2lTM1NfdldfX2J5RzdVbzRuaWF5cjBEZi1nZlktTGtYbUhBeXREQW8zZVB4TjJrSmxXSTlUczEyUGJBeUdXUHRFV1ZkWW1ldzlnbkliVkplNWhQX2V3c3JRc3lwaUF2Y0NIN21ERGlzY1NhRnJSaUc4Tnd4QkF5cDBLWDdaTTZLZm93dFVIMjZWaUJMRVVoWGNUbTRCX0F6TFFlSVBQN1lGcVRBWFI5dTk3Y0dIU0tOdXRicUlNN0J4UW1rRVczLXlqQnd5SmJyUTRzN3VkN1NRU1hhNThsdWgzU0IwVDluVlFWZTl6dlE?oc=5) · ROI-NJ
- 2021-01-26 [Financial Resources FCU completes succession plan | Credit Union Journal - americanbanker.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxNeUpiZFhiekNDMEl1NmRwck1UM2pfcUh3VzA5SEtPTGNrMHJnc1JKTEhpOHNvWW9lMFJlMVE4am1PRElpdXpBZGxwWTVhek8yRzh1MmlQVWlMekJCMURIUGZtT2Y5dEpHVE1jZ2d2WTFvYmtvcmJsN3VUZ19hZTFNOFBBNDl0OXVJMG5ZWWF1VTlWcHY3dUd2ZVJ3YXNNNEU?oc=5) · americanbanker.com
- 2024-01-11 [Larken signs 19,000 sq. ft. lease with credit union at Branchburg spec office building - re-nj.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQeVMyYVVGYjJPdE9lZkRKWkFJdU15eUQxZWUyU25aOXhXVUw4QXBsbFozdWZzT3RfdXM4U1NPcUR4U1RwQzlrVlFXZ2FxanFtbEU4R2o4T19aNmI2VlJqdm9vMGY2TkxYU19mXzBfeU1YLXRXX0lZQVNKSkJtUkhacU5hZTc5YmJCN2dKSF9vYzlvd0MwUzBhZVdqdW16SHJkZWhzbg?oc=5) · re-nj.com
- 2025-08-06 [Top New Jersey credit unions ranked by 2024 assets - NJBIZ](https://news.google.com/rss/articles/CBMia0FVX3lxTE9MNS1kWUVlSTczN2FTNTNCWmxfQlF3bXhHUGw3UXdleHZmNW54VTZKR3JyVHF1V2dpRGpub3FzN0RySEVvWExBWExCcHlmNExuX2NTdlB1X2g4MEdwVHZaOG83T3lFbEJCSmVJ?oc=5) · NJBIZ

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6665 (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/9.json (key "6665", 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=6665
- 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