# UNITY
OAKLYN, NJ · NCUA charter 9399 · asset band <$50M · latest filing 2019-09 · stopped filing after 2019-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/unity-9399

Who the members are: federal charter, service (single sponsor), organized 1954. 799 members of 1,000 potential (79.9% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 73.

**Verdict on the desk:** this could be *too clean*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.0M |
| Members | 799 (-5.1% YoY) |
| Full-time staff | 2 |
| Net worth | $615,159 |
| Net worth ratio | 20.5% (p83 of band) |
| ROA (annualized) | -1.28% (p5 of band) |
| Total delinquency | 0.00% (p5 of band) |
| Net charge-offs (annualized) | 0.04% (p32 of band) |
| Loans / shares | 64% (p52 of band) |
| Cash / assets | 8.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 6.36% (p97 of band) |
| Operating expense / assets | 8.15% (p97 of band) |
| Vehicles % of loans | 50% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 0.00% (p47 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 6% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 44% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 95% |
| Certificates % of member funds | 5% |
| Average share balance | $2,458 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 73% |
| Loans granted per 100 members, annualized | 63% |
| Average loan balance | $2,597 |
| Loans granted, annualized | $1.3M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **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 | delinquency rising |  |
| 2017-09 | 2 | loan book shrinking |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | margin squeeze |  |
| 2018-06 | 3 | net worth falling | delinquency rising |
| 2018-09 | 2 | delinquency rising | margin squeeze, net worth falling |
| 2018-12 | 0 |  | loan book shrinking, delinquency rising |
| 2019-03 | 1 | expense trap |  |
| 2019-06 | 1 | members leaving | expense trap |
| 2019-09 | 4 | losing money, expense trap, assets shrinking |  |

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

- 2026-09-07 [Westfield Residents Celebrate Unity Day Once More on Labor Day Weekend - TAPinto](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNZEx3RERvMWFRdDJ6T3MwYVlnWTBOOWhNcEhJWTdwRGZKSjFmTUhLSGZsd0dGa3dhamtZVE5BQlkycnFaQ3RObTh1WVRRVFV4dzBJYklLcko3TUxhbkF4WVNvM1pIX0pwX3VDT3lRTnZWd1VCSDZQTVE0ZlRhZzJzM1hKUzVZOXpSbDFURW9iNWtkQ0ZNSGoxZjZabVdKcnBiOUlOc2dfa2JTU256RWh4bmMyb1hSTDFxV0FIZE5EUlAxYmc3ZTBkdk5IRjFCaW43QzI5SkNrOHdWSVYwR3RYTWtNSQ?oc=5) · TAPinto
- 2024-12-31 [36 Black-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQR2dKWjVxQ3RoR1BRQi0xZG5sYWowMmFaaF9xWUxVTkZiYlMtTGlTcGgtcGxCZldrMHd2VEQzOWFDNjFUMFVtM1lkNHFEc1gzYU1zMWdVTm1NNk1UWlpESUdBalRXZ3ZMSlNkX0x0ZHB4cVcybF9TN1R0b1NxZVh4TEhReEJ1SVg2dU5TY0tpTnhIdw?oc=5) · businessinsider.com
- 2025-03-25 [311 Announce New 2025 Unity Tour Dates - VICE](https://news.google.com/rss/articles/CBMie0FVX3lxTFBzUnIzQ1cxcGVxLWRIc25uM1JnczZUcG00ajh4NHVhZjc2UlJTZTI5RGNhV1JhMTVtek5kS1JzME5ZQ3VhLVpGa1VRZjdRUGNqekF1ZGhpN1U2Ml9TTGxJRHVjN2NSa051d0FYdzQyVnhSY0toZ1ozanRwNA?oc=5) · VICE
- 2023-05-28 [Credit unions trending towards greater unity as tech pressures mount - Toronto Star](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPamVTb2FtV1lfNURlNERhVHlUZWFIRWozY1JCb1hseVc1dlNxZnZ1NkRISTJZU3k0Zm5kVU1nQW9UVjlwaXVseTBqOTlwT25ZaGg3SnNJSTR4N2d6QjdLbjhpZGU2UjhOZTRiWVlaSGlHY0czVXBSOG94MWVMb2JEd3J0WWdiVTZZOEZ1VkVHbHczQmdmVTZrR1h5TG1IaU9zWXdmVTRkZExULWFTLW9EUXZucG83bGgwbWcyaWI3V0JvbXVha3gxNFhKWlluUjhKV3ByTEdUVjBIWGZQWjBQQmNmWDkwUQ?oc=5) · Toronto Star
- 2021-10-06 [Murray Downie Obituary (2014) - Roselle Park, NJ - obits.nj.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNRUM1OUxuSHlHbzdmQzhPT042YWNneDZ4UW44QTFBRUpDcWhhTHk5MGtjYTB4SlRvbDRhT1NkWDJGSVpDRmxyNGRoWXZLdFBGanZlU3Qtck56TXF2ZXRYcGh6R19Ic3Znam5IYnhlZ1Rtd1lzUjhodFJNRnptdmpRajNZNEVmSzkxVmhaQklB?oc=5) · obits.nj.com
- 2025-05-16 [13 Outstanding Students, Citizens In Union County Honored - Patch](https://news.google.com/rss/articles/CBMilwFBVV95cUxNSzhqUHNpNHQ5OVk0SkEtbWVCYWx1Vng0aWRZNGpRT1UyRW9veEtadDZmLTkzcEJiNGdDV1lkM0VDaXRESWpra2hCM2VaQXlzYWtsdFk1M1N6aGFrd2lnTmNwN0hXazBTMjFzaDlnMXRRVU9nOThRYS10STRhWWIwRG5yNko1SHJlSDE0bDRSaGNvRFQzaHZn?oc=5) · Patch
- 2025-03-18 [311 details 2025 Unity Tour - The Music Universe](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1sSWFTVmFqZDAyV05lTS1BSDU5b1RRMEtlVF9xcU5IOWdDclp6dk8tVlFIZ2ViSFlkTkc0c3pOeUVmVTduODdpOG94YUY1OXNYZHd3aGs1amZad2V4Y3hNTXhTNk50a3hU?oc=5) · The Music Universe
- 2023-06-02 [12 awards handed out at the 10th annual Pride Niagara Unity Awards - Niagara This Week](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPX1ZCUF9nNEV4NzdMTVEyUEQ0Mm03SUNRZEpiOHM1ZHg3RUNqV0hlc3pjNDY4RHB0Z3ZxRFJIN0dGYTMtb2hCSnJJdGhGYkF4RlZ3UHp2SDAxOUcxZ212dXJ4dk5YYU5lbldnMUdGZmFZSmxSV3ZZdXdFcWw1MnJZTDZzUnBVelRSTkZ4SWMyXzBKdTVWQ0pZdVpjNFJ1TnExYmdzVWNJc1BocUlXLWdUZlZka1ByUTY4dEpxcllOYVFOZEFCeldkMUoyMmNoejhhNWcySnkzZXY2Z3k1dnY1Z3I4N1VFZUZZ?oc=5) · Niagara This Week

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9399 (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/55.json (key "9399", 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=9399
- 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