# LIBERTY SAVINGS
Jersey City, NJ · NCUA charter 7184 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/liberty-savings-7184

Who the members are: federal charter, multiple common bond, organized 1951, low-income designated. 17,859 members of 250,000 potential (7.1% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $135.5M |
| Members | 17,859 (6.9% YoY) |
| Full-time staff | 46 |
| Net worth | $15.8M |
| Net worth ratio | 11.7% (p50 of band) |
| ROA (annualized) | -0.20% (p7 of band) |
| Total delinquency | 2.02% (p93 of band) |
| Net charge-offs (annualized) | 1.96% (p97 of band) |
| Loans / shares | 56% (p25 of band) |
| Cash / assets | 32.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.88% (p95 of band) |
| Operating expense / assets | 6.78% (p99 of band) |
| Vehicles % of loans | 20% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p32 of band) |
| Vehicle delinquency | 3.38% (p97 of band) |
| Vehicle NCO | 1.69% (p88 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 12% |
| Unsecured % of loans | 44% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 14% |
| Average share balance | $4,363 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.2M |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $6,118 |
| Loans granted, annualized | $24.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.2M outstanding purchased (26.3% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 11.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

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

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

- 2020-07-01 [Black-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5NHlXMVFqNU0wTjdESlM2b0g4OGp5ODQ0cTNtOW83eFBEMTBWbl9kUUp4VTNHX3plLVBlS3J1X3VNMGdhcDVaajZrZTJlX3RuS3FPNjJHWkNBSlRxbExsUFVlbUJfTjhZa3B3TS02Q2M?oc=5) · Investopedia
- 2026-02-04 [Affinity tops NJBIZ ranking of New Jersey credit unions by assets - NJBIZ](https://news.google.com/rss/articles/CBMidkFVX3lxTE85ZkY2cU5GdkFHQWdkRWU1OVFRYjVONzBwdjg5aFpHQXNhY3prODdYNjh0SlZtQkVzektUZnI4NUZleW1DTVRVaWVLcGQtTTJFc0EzcWhqam5FbUlJS0pBSlBPY1pWUXVBX25ienpkX0szUExOOHc?oc=5) · NJBIZ
- 2022-11-10 [Second Chance Checking Accounts By State - Lee News Central](https://news.google.com/rss/articles/CBMisAFBVV95cUxNOW82MnUyWmVEZUJGbTJMUkhhOTI3eDFWLUxEZnIteV9BVmlnRTZLYzZJY29TeWRKZ0p4NHhBbVUzejVscnRWTG5BcW5Pc2tVQU9fMG04RFpLMGNMT05UaTlMTTRWVlB6Y1NRNkt6dTk0cWU4dVB0VWZHWC1MY0tBanRsWjZlNjJ2RGhrM21kd3M4ek5DLXgwZzg5YWVzUkRzeUpZMExhUjRCWER5MnFWOA?oc=5) · Lee News Central
- 2018-12-17 [Moving to Jersey City, NJ – Best Place to Live in the U.S. in 2024 - livability.com](https://news.google.com/rss/articles/CBMiTkFVX3lxTE9qSUtJUTlreFprUGV1NFk3emRZSTlHem5GV3N0ODR0TGFQMUJvaDNOX2RmSWZVN2Uwd0RROGVlNlRRcHlHUG9JalZXNWVUdw?oc=5) · livability.com
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2024-09-24 [RWJBarnabas opens new Kearny location; HOLA to celebrate Hispanic leaders | Business Notes - NJ.com](https://news.google.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?oc=5) · NJ.com
- 2013-02-21 [Irish eyes smiling in West Hudson - theobserver.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5RZTFqS2dXZ1BfQm5XRGdicmU0cGV4SzVLcm1kUUlnM2ZLenpoZnRTWkFfUGlpUm5LUFBsdTB0R0l3VVFHT1JFMlZOQk9wMlNabS1sMmNUSjVyamFrQ09RZmlKVmN6ZVVaYmJJdnpoQjM5ZnlnaF9SOVlMeWtEUQ?oc=5) · theobserver.com
- 2024-10-14 [Robert M Trotta Obituary (2024) - Manchester, NJ - Oliverie Funeral Home - Manchester - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNZ1l5OVlPcm5fVjlqM1lNT0F0QlEwRjBmTUZwR2taVnV4Tk5IVmJOQ01LSWxrTkx0aW9GRzNzS0NYN0hXcXg4QVdvZUdsVjhDbWR3UGU5eVpxTmt3ZGw0R1ZlQTloNGFGTjdRWXNaMHJXbDdVSEY1UGY0RkViR1o5UXFn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7184 (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/16.json (key "7184", 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=7184
- 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