# BLOOMFIELD FIRE AND POLICE
Bloomfield, NJ · NCUA charter 7069 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bloomfield-fire-and-police-7069

Who the members are: federal charter, government (single sponsor), organized 1951. 1,291 members of 3,600 potential (35.9% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 39.

**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 | $10.1M |
| Members | 1,291 (0.1% YoY) |
| Full-time staff | 2 |
| Net worth | $1.5M |
| Net worth ratio | 14.4% (p47 of band) |
| ROA (annualized) | -2.06% (p6 of band) |
| Total delinquency | 3.62% (p89 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 75% (p74 of band) |
| Cash / assets | 35.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.40% (p70 of band) |
| Operating expense / assets | 3.18% (p37 of band) |
| Vehicles % of loans | 76% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 4.48% (p93 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 47% |
| Average share balance | $5,071 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $12,784 |
| Loans granted, annualized | $2.0M |

## 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`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 0 |  | losing money |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | losing money, delinquency rising |  |
| 2017-06 | 1 | assets shrinking | delinquency 2x band, losing money, delinquency rising |
| 2017-09 | 0 |  | assets shrinking |
| 2017-12 | 1 | assets shrinking |  |
| 2018-03 | 3 | losing money, delinquency 2x band |  |
| 2018-06 | 1 |  | assets shrinking, losing money |
| 2018-09 | 3 | losing money, delinquency rising |  |
| 2018-12 | 2 | auto monoline | losing money, delinquency rising |
| 2019-03 | 2 |  |  |
| 2019-06 | 4 | losing money, delinquency rising |  |
| 2019-09 | 3 | loans>95% of shares | losing money, delinquency rising |
| 2019-12 | 2 |  | delinquency 2x band |
| 2020-03 | 3 | delinquency 2x band |  |
| 2020-06 | 3 | net worth falling | loans>95% of shares |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 1 |  | delinquency 2x band |
| 2021-03 | 3 | margin squeeze, delinquency 2x band |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 2 | loan book shrinking | delinquency 2x band, delinquency rising |
| 2022-03 | 2 | delinquency 2x band | loan book shrinking |
| 2022-06 | 1 |  | delinquency 2x band |
| 2022-09 | 3 | losing money, delinquency 2x band |  |
| 2022-12 | 2 | assets shrinking | losing money, delinquency 2x band |
| 2023-03 | 1 |  | assets shrinking |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 3 | net worth falling, delinquency 2x band | delinquency rising |
| 2023-12 | 5 | margin squeeze, delinquency rising |  |
| 2024-03 | 5 | losing money | delinquency 2x band |
| 2024-06 | 3 |  | delinquency rising, losing money |
| 2024-09 | 6 | losing money, delinquency 2x band, delinquency rising |  |
| 2024-12 | 4 |  | delinquency 2x band, delinquency rising |
| 2025-03 | 3 | delinquency 2x band, delinquency rising | net worth falling, margin squeeze, losing money |
| 2025-06 | 2 | assets shrinking | delinquency 2x band, delinquency rising |
| 2025-09 | 4 | delinquency 2x band, loan book shrinking |  |
| 2025-12 | 3 |  | delinquency 2x band |
| 2026-03 | 6 | net worth falling, losing money, delinquency 2x band |  |

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

- 2014-05-01 [Frank Mercuri Obituary - Livingston, NJ - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNVFFnSlg5QWhQamFQX3JiMzl1UXMyWGpsVVpVOENXN0tfaXNCNGROOEExZ0poNnEwdllEUGVnTnZDNmRtVzNEWk9VdkJ5SjVvb0R4Z3NWSHQ5Vzh0cDBacTlxNlBMa3g1ZF9LRi1mWGd1UlB1OHptUDlYX2dMQ1VQTVRLWVk?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7069 (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/29.json (key "7069", 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=7069
- 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