# NEW JERSEY COMMUNITY
MOORESTOWN, NJ · NCUA charter 9555 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/new-jersey-community-9555

Who the members are: federal charter, community charter, organized 1954. 777 members of 105,585 potential (0.7% of the field); checking penetration 29% (share draft accounts per 100 members); loans per 100 members 32.

**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 | $8.7M |
| Members | 777 (-9.0% YoY) |
| Full-time staff | 0 |
| Net worth | $877,537 |
| Net worth ratio | 10.0% (p17 of band) |
| ROA (annualized) | 0.19% (p32 of band) |
| Total delinquency | 3.60% (p89 of band) |
| Net charge-offs (annualized) | 0.37% (p71 of band) |
| Loans / shares | 29% (p13 of band) |
| Cash / assets | 50.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.33% (p68 of band) |
| Operating expense / assets | 4.80% (p75 of band) |
| Vehicles % of loans | 20% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 3% (p88 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 4% |
| Average share balance | $6,977 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $31,546 |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $9,426 |
| Loans granted, annualized | $276,300 |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $31,546 outstanding purchased (3.6% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares -2.4% year over year.

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

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

- 2021-03-31 [Visions Credit Union commits $1 million to NJ students and educators - New Jersey Education Association](https://news.google.com/rss/articles/CBMikwFBVV95cUxObkJDYVkySGJTYzVnRHJyZmxBSnYyVExIRWVXSmltSEI3N0FleG5Gdy1qM0J2NFYxenAydEV2dmVpdVFNTHFnbkI5VnpwUjVHYk83dUJUeFpaQ2pKMWQxWmtUUGMxTzJ0bTZJajR6eEhURTRnWkgyQTVZbjdGTTdNNUwwTTdNZG0yeTYteEM0ZVdiclE?oc=5) · New Jersey Education Association
- 2025-06-16 [First Harvest Credit Union celebrates milestone anniversary with over 85 acts of kindness - CUInsight](https://news.google.com/rss/articles/CBMiygFBVV95cUxQMkVhcWgxRDl1OWJIXzZsQXdadUJHUGNOcTQ1cXNBVFNtTnNKN1ZhaGQxY1dkaWxHUXlaeEYwbXVfTjN4T2RkaEVaZGxVV01MR0tYYnU1dHVURWxiRjI5UjJSeGhydU9DMFBnX1RXdlFwU1pmM1RRNEhsMG1TRXFOSHRCOWtOTXdGQ0tTVGdLanFNZ19fcGhOUmNtaC1fOFM0c3AyRW5LWXcweHk0ZmVOdWo5WUJOWUhoRExLdENOaUgxRzF0enFYZDdB?oc=5) · CUInsight
- 2024-03-08 [No Tuition Increase At Union College For 5th Year - Patch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNY2pIR1lmX29wMmtnNEVWZkJfN2J4b2dFdWpMQVdJN0NEZlZmOEJlU1dMWG02WnpHQXZZWWdBRjk1VkpsMFFWbXJTTGNwMVRrcloxck5meWlfQ2Nzd0piSm5aYUpfYUprV3pyZTlDSmtPVzY1djM5dEFITVZnTGFYMVJuc1NjZjIz?oc=5) · Patch
- 2018-06-05 [Sayegh Announces Full Transition Team Members - Insider NJ](https://news.google.com/rss/articles/CBMifEFVX3lxTE93ZGd0RUhBQ0dkZFJWMGE5TlFlMDBLQ0JjY29lOUZoUm0tYnpUSHgxY1Z2alNzMUw1UkY3VDhLa1FQbTBzcnJOQ3pGU2V2eUJYUkthTFlGNWlCZ1JTMTAtRVU4d0UzdGxLaFRLUHl6dGNicXgtZFJMRVdHaEM?oc=5) · Insider NJ
- 2025-08-20 [Paterson, NJCDC Formalize $2M Agreement for New Great Falls Recreation Center - TAPinto](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOdWxiQTI1Z2ZyMFZGemlZUDgxYm1SdEo4SllxZ1FtUVotNEtmd3Y0VE1rOS1fdkp3NWhHLXBmVFlSMFl6TmZVek9QRW9OMU9TckxtZE9Gb1Azdml4bHNyQ04tN2s0Ti1uU2Y5Z3JUUWlsVzNfQ2ltcW5KY3pWeF9MaXFoZnBOS2dLTzktVEpjQV9Dc3BJSkYxN1pvYWRoN1E0YWJYdUtHemdqdWZFWjZuNUZ0YV95M0xPeTRoeHFjbF9rU1lBMmVzMFRFSWVmRHBRY05Na00zZ2J2TWd0VXA2Q0pzenJEcEZR?oc=5) · TAPinto
- 2016-03-03 [Student News: Monroe H.S. Green Team gets education grant - Central New Jersey News](https://news.google.com/rss/articles/CBMirwFBVV95cUxQd2RTLVVDQ2FGcGxSN1ZJUWZvWUExWTQ5VVpPRUJmNE1TWVBnTjhpNDRXcUxmbV9fY3UwUHM5bHU2bkRyN1d0a2hiZlZxdGFtb19ZNERENHNjRXk1cE5ReVhIcU1aNk93c0V6QlZ1Q1ljYy1fbGkxWm5lNlVFS054RXBIamJwT0tOaEhFNTFPX0xBLUZnakhGMTRBZnNvaWR5c09HS3NrUTZzZG5DSmU0?oc=5) · Central New Jersey News
- 2025-08-25 [Safest And Richest Cities In The US, See Which 2 Union Co. Communities Made The List - Patch](https://news.google.com/rss/articles/CBMirwFBVV95cUxPSkVicS0zOVVKX3NEMHZITElZZ21zOUFYdWo1c3NNWmdkaHdlclhCNWJjcnRFMDNTQmxDaDJWYkRPb0lQbE02cnh2UE5iQmJJMHhXcy1FUnZ1dlkwOEtzS19MUUZRTmpkWUE4M2ZqdFhRa1VMb0hMUWdVS1BhdkMzdDdiUWlXQkQ2VGFQSk1oQWM5XzVCX2x3NXJFNDY3d1MxQzFrYTc4dzVzRTQ0dFZn?oc=5) · Patch
- 2026-04-13 [Westfield Actress Among Local Performers Setting Sights on International Stage - TAPinto](https://news.google.com/rss/articles/CBMi8AFBVV95cUxOMWpLMkZqRkdlTnZHRU1uMGhvdWhhbmFkRG9QZG1uSXNjOFRLdkNhWkRBRXpaYTdudTlhNUE2Z0ZmQTR2c29LYkwxU0hvUUVoWXMzN1ZIZGwwSTB2QVRYWVBrSHFIVW5Zc3JJSVVJSjB4NDl4WUc2Y3dRcE80YTBCZ1BoR0FueEJBV1JZQ3BsbWFtcHd1akZLbDJuMnczWmpvb1lXeV9KWlBIS01tRGVSb1R2RnRSYXNIcUR4M1Y4RXdPa3dIdmlRSlJITllVYnAxenZiMHFuVFloSUY0cUlJVkdGc2dtWmVHVUxRc3hfLWo?oc=5) · TAPinto

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9555 (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/19.json (key "9555", 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=9555
- 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