# RUTGERS
New Brunswick, NJ · NCUA charter 9237 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/rutgers-9237

Who the members are: federal charter, educational (single sponsor), organized 1954. 6,470 members of 60,000 potential (10.8% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *quiet fade*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $81.4M |
| Members | 6,470 (-3.0% YoY) |
| Full-time staff | 7 |
| Net worth | $9.5M |
| Net worth ratio | 11.6% (p38 of band) |
| ROA (annualized) | 1.37% (p81 of band) |
| Total delinquency | 0.15% (p16 of band) |
| Net charge-offs (annualized) | 0.13% (p37 of band) |
| Loans / shares | 31% (p6 of band) |
| Cash / assets | 13.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.87% (p62 of band) |
| Operating expense / assets | 3.25% (p40 of band) |
| Vehicles % of loans | 27% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 4% (p60 of band) |
| Vehicle delinquency | 0.16% (p21 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 2% |
| Average share balance | $6,349 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.1M |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $10,012 |
| Loans granted, annualized | $9.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.1M outstanding purchased (11.5% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -1.7% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## 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 |  | delinquency 2x band |
| 2016-12 | 2 | delinquency 2x band |  |
| 2017-03 | 5 | net worth falling, losing money, delinquency rising |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 4 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2017-12 | 4 | assets shrinking | net worth falling |
| 2018-03 | 2 |  | losing money, charge-offs p90 |
| 2018-06 | 7 | capital below 7%, losing money, delinquency 2x band, delinquency rising, repo signal | assets shrinking |
| 2018-09 | 5 | assets shrinking | capital below 7%, repo signal |
| 2018-12 | 4 |  | losing money |
| 2019-03 | 5 | members leaving |  |
| 2019-06 | 8 | capital below 7%, losing money, charge-offs p90 | delinquency rising |
| 2019-09 | 8 |  |  |
| 2019-12 | 8 | loan book shrinking | members leaving |
| 2020-03 | 7 |  | losing money |
| 2020-06 | 7 | margin squeeze | assets shrinking |
| 2020-09 | 9 | net worth falling, delinquency rising |  |
| 2020-12 | 9 |  |  |
| 2021-03 | 8 |  | charge-offs p90 |
| 2021-06 | 7 |  | net worth falling |
| 2021-09 | 7 | members leaving | loan book shrinking |
| 2021-12 | 6 |  | delinquency rising |
| 2022-03 | 6 |  |  |
| 2022-06 | 3 |  | capital below 7%, margin squeeze |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | charge-offs p90 |  |
| 2023-03 | 3 |  | charge-offs p90 |
| 2023-06 | 4 | assets shrinking |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | charge-offs p90 |  |
| 2024-06 | 3 |  | thin capital, delinquency 2x band |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 1 |  | members leaving, charge-offs p90 |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | assets shrinking |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | members leaving |  |

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

- 2026-09-04 [Best photos: Palm Beach County players to know in college football - The Palm Beach Post](https://news.google.com/rss/articles/CBMi9wFBVV95cUxOOV96MktCblpKczE4UWFyZjJrUGYza2ZVOTZSaGtNSjRzdXotWTFEX1U5blk5cjJlbWJUMFRzOTF1WENTMlBMVG5JWWg1S0lBRHZzWnZZeUlzM2RUSTJtN0Y1N0hzSC1GRWUzNDVCaTF5Qm1TcG9kV3VLVG9rQkNvcXpBcGlhVUFiZ1pzUUVVdmpnM1VIeTdJWjk1al9LX3ZzZ3hGcUloTU1rRlRlWUY5NGttOENKQVhIdXl6ZU9TUXo0clZaaENpUmFPN0dxeGdlUTcwQUk2X0ctX1RQVm1IeGtQU20xWjVaN2VFa1NRSWN0c0xsRnJZ?oc=5) · The Palm Beach Post
- 2026-07-14 [Credit Unions in 9 States Appoint CEOs - CUTimes](https://news.google.com/rss/articles/CBMif0FVX3lxTE9OUTlrVVlkMVBqSGdHNFFlYkhialpxM3Boam5qWjJ0MFBxaUN2SE1kYU0zUlZvV1hNcTYyOTQ5cGNmUGtxQm9tUHNEU29lQ1Fnb1Fya1ZZcXdRdDdydzNjZlltZFVCWEtyVDJRWU1wQjZlVjE2ZjNaZzZvNFQ2MmM?oc=5) · CUTimes
- 2026-08-26 [NJ's July job losses were 'striking,' reflecting national trend - Bergen Record](https://news.google.com/rss/articles/CBMinAFBVV95cUxQSEZuSDFRRkprYjNBbWw3NlFWNlZaa2M3S29uUUFFclV5OVdudXhseGN5b1UyTDJPWHVHdVVpMnFpWTZMV1ZIREVsU2RzREpYdW5JbERhZXN4VXhXRDdpb3g0a250VldraVc0NFB5X2dLNGFyek1tb3ZTQUZuekR5MWJkRF9yX3ZXX093a1Fkb2ctcVpjZUFuVlRxcnU?oc=5) · Bergen Record
- 2026-07-27 [Sheila Y. Oliver Foundation Hosts Third Annual Legacy Brunch Celebrating Women’s Leadership Across New Jersey - insidernj.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxQUTNCVUhXZjRSX1RMZHFhWll3Skk0eTJYZDNITWFUYTFGZGJ2SWJJWVRCdjBFNUZyaWFoUURpMXZnR2RWS0FSWUVTaDFOeFQwczEyQk1GWndWMnVqYkJyTXBFZ0hKVmF0SExhZ2RydHdDZHBDSXJjb0hhOGEtUzdYVzVNa1hIRXVyUG9pa2lUVy00TnNaMXNGdEdtbGUyZWNkcGpFeHE5Z2RCQjF2a0N6dXlZZUdaZHJONVN0a2syaUJrQ3VaY2wzeUU5dEZiTDg?oc=5) · insidernj.com
- 2026-05-06 [Rutgers Labor Center to Celebrate Life and Legacy of Tony Mazzocchi - CounterPunch.org](https://news.google.com/rss/articles/CBMirAFBVV95cUxQVzVMYWdXWnh0dHVSWU5wQUY1bF9ndkRiSmxUZUJYMkhqQTh2TVo1cVVrN255TjA5VUtIUTZvLUVUR3J5R0lieWtjeVVuaUFkWFB4cjFvWmZOV0ZMckhFRi05TWlZVm9EWi1FeThLbHNWeFc0WnhPc1o0TjF2VjRyOXF0c2JwcmZ6cFQ0ZGdSa2dhOGhRTWNIZDU4MW9USHc2WWd0Z0JMS1M3cmp4?oc=5) · CounterPunch.org
- 2026-08-06 [Union County Seeks Volunteers For 4-H Master Tree Steward Program - Patch](https://news.google.com/rss/articles/CBMiogFBVV95cUxNRDMtQ1JLbWZ4amdWbHl3R09iblFtOGlMTUhLVlQ0alpwSDdsb3kzN09GNzRYZlREalhJNGxqbjlIN3hUOG5oOXFyUjhxVHZDTGZkYVU3dFFlSlF4end6a2VWd1F4SmJkVXNISHFvaC11cnhOQWxVUENTdGdlMjk3Smg0cHpzc2VrRVVhWVlkUS05RWZoUXl5aUNBMDJxN25nRVE?oc=5) · Patch
- 2025-11-06 [Edna May (Willenbrock) Tarantola Obituary November 6, 2025 - Joyce Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTFBaQm5sdXJ0TU5BeTNMYVlmUkRwUDFPc0hZU3A3dF9lTVdzNnNVck1iVWwtdXktSTM3bzJyNUktQXNDeDlTVDlYWjY3SUZLUWFJMzhiWnpVeDlpR0dRV255alY0dEVrdEJjbHc?oc=5) · Joyce Funeral Home
- 2026-07-16 [Longtime Union County Clerk Joanne Rajoppi Dies at 78 - TAPinto](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNaVY3dVFpNHloLTdFdlpLSk1CTFg0c2lURnpzaE9sTE1RSnB4amx1aDFuak5aRjdYVENXdkJYMWR2ZnZHTzh2dmZpN0d2alEydE5qNDZZR3lFSlhLa1lkczNNQksyeF92WjAwaTZRZzdpOHZBa2xUZHRlRElURmhUeDdKejF3MHZDMkt6cHFKLWhpaTAtX21ELXhZZllPMUZTQllCQ3owTXJESW5ndjQ5TENLSlNJVnRRQ2hSQTFXSExGbmdyN01CRg?oc=5) · TAPinto

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9237 (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/21.json (key "9237", 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=9237
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide