# LAKEHURST NAVAL
Joint Base MDL, NJ · NCUA charter 7958 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lakehurst-naval-7958

Who the members are: federal charter, military (single sponsor), organized 1952, low-income designated. 1,821 members of 2,500 potential (72.8% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $39.6M |
| Members | 1,821 (-3.8% YoY) |
| Full-time staff | 6 |
| Net worth | $4.9M |
| Net worth ratio | 12.5% (p34 of band) |
| ROA (annualized) | 4.20% (p99 of band) |
| Total delinquency | 3.77% (p90 of band) |
| Net charge-offs (annualized) | -0.23% (p7 of band) |
| Loans / shares | 27% (p11 of band) |
| Cash / assets | 19.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.48% (p34 of band) |
| Operating expense / assets | 2.14% (p13 of band) |
| Vehicles % of loans | 21% (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 | 5.34% (p94 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 25% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 28% |
| Average share balance | $10,392 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $8,584 |
| Loans granted, annualized | $2.2M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 | delinquency 2x band | delinquency rising |
| 2018-06 | 2 | net worth falling, charge-offs p90 | delinquency 2x band |
| 2018-09 | 1 | delinquency rising | net worth falling, charge-offs p90 |
| 2018-12 | 2 | delinquency 2x band |  |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | net worth falling, delinquency rising |  |
| 2020-06 | 4 | margin squeeze |  |
| 2020-09 | 4 | charge-offs p90, members leaving | net worth falling, delinquency rising |
| 2020-12 | 3 |  | charge-offs p90 |
| 2021-03 | 5 | net worth falling, charge-offs p90 |  |
| 2021-06 | 6 | loan book shrinking |  |
| 2021-09 | 5 |  | net worth falling |
| 2021-12 | 5 |  |  |
| 2022-03 | 5 | net worth falling, losing money | margin squeeze, charge-offs p90 |
| 2022-06 | 3 | delinquency rising | members leaving, net worth falling, losing money |
| 2022-09 | 1 |  | loan book shrinking, delinquency rising |
| 2022-12 | 2 | assets shrinking |  |
| 2023-03 | 1 |  | delinquency 2x band |
| 2023-06 | 3 | losing money, delinquency 2x band |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | delinquency rising | losing money |
| 2024-03 | 3 |  |  |
| 2024-06 | 1 |  | assets shrinking, delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 3 | margin squeeze |  |
| 2025-06 | 2 | members leaving | net worth falling, margin squeeze |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | delinquency rising |  |

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

- 2018-01-29 [James Manuel Obituary - Lakewood, NJ - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxPLVpYaWQ2aVl5Ni1mdVUtUzVHM3NBYm9sQV9lNEwwcWxuVW9OMmZKVWZkYjlicDhFblVZU09qcXVzU3V5OVBjYlFYemtJd0VmMHhBS29NTkl5eFZNYWQ0ekY3Z25OcC1BSi1wYmZKc3FVTDVrMi0zRGlxc09nUld5Yw?oc=5) · Dignity Memorial
- 2021-11-16 [Sebastian Galella Obituary (2014) - 87, Toms River, NJ - Asbury Park Press - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQUEZIaF9yWTc1Z2pLQnNJOGxteVV4RWgybEpKX2M5RGhsdzV6a1R4bjJMOGhqb3I4R3JydV9YWHlwTVRicmNqM2tvTUhabjZtX2JsNzVPMlVlRXgtSzQ5Z1gzYzhVVkR2YUpabnpsMjJnTktPcC1oQ25tSXdOSUhzeFpob0d1QzdBRDhPaA?oc=5) · legacy.com
- 2021-08-26 [Janet Heller Obituary - Whiting, NJ - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxQd1FodnU2QzZkOVlNRS03UGdNbmtXWW04RUJwTGZjd1AzdzdBb3VlYXNYaFZhb2UzdGN2Ym5CN1U5azBxbXRUektCLVZ0MjNHNG9fVnA2c3UyY0xUMlFpcHNwUHlsRWFKZnh6UWVwVjJ0SXB3QmtmQUNuNkpCUFlfUQ?oc=5) · Dignity Memorial
- 2025-10-31 [Sean "Diddy" Combs Sent To Federal Prison In New Jersey - celebrityaccess.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNVmlPbHJTR3gwRkI1NTRXcjhsZmlzODF2eWstRUpwMXJHRzVMTXJFQ1lxVXBfQVNud2JybGxsVXZRcVlkV2FzRjVkdnlkdDNLeTBiYnZweUhucGIxbU44eG5ONUdQVVJZVUxGREFzV1hMUnczMEUyM0xzZ1Z2YV9VenhCU0N6X1VjTXo5Z0Q1TUtXdEQ5WnVYcw?oc=5) · celebrityaccess.com
- 2010-06-02 [Colleen Guierro Obituary (2010) - 39, Manchester, NJ - Asbury Park Press - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPbjFtMEZkajVQSmF4TXVpLWFHQU0xVWY4SGFiY0JtZUdKTVAwMFFueDNzUEJQeGtyZ0poWm44YmtzMmZRejZHckZ0YV9XSDF4VjBWV2NxUml2by1kSzEtdzNCZDdGbjhIUTNlNUFQM2lnemRyMlZiQmdIQ2tmb3JXMTlaOGVJSDFWakE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7958 (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/22.json (key "7958", 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=7958
- 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