Federal credit union · NEW PROVIDENCE, New Jersey · NCUA charter #16785
Advanced Financial
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $106.9M
- Total assets
- 6,459
- Members
- 15.6%
- Net-worth ratio
Advanced Financial scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $106.9M; members 6,459; net-worth ratio 15.55%; health rank #3,755 of 4,374; healthier than 13th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,755 of 4,374 health · 2025Q4Advanced Financial · health 67/100 · $106.9M · 2025Q4
Call Report peers
Advanced Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Advanced Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Advanced Financial sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Advanced Financial
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +3.44 pp (15.55% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 55.02% vs peer 72.20% (-17.18 pp).
Advanced Financial in New Jersey
- Health composite ranks #92 of 127 among scored New Jersey credit unions.
- New Jersey assets place: #27 of 127.
- Member book place in New Jersey: #33 of 127.
- One place up in New Jersey, B-M S (#91) ties at 67/100; one place down, Atlantic Health Employees (#93) ties at 67/100.
Advanced Financial Call Report trajectory
Advanced Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $106.9M (2025Q4) to $108.5M (2026Q1).
- Net-worth ratio shifted -0.18 pp (15.73% → 15.55%).
15.55% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 67/100 score is built
Advanced Financial gives up 33 points in total. Member Growth costs the most, 11.6 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.9 pts
- Return on Assets 8.0 pts
- Member Growth 3.4 pts
- Loan-to-Share Ratio 11.7 pts
Advanced Financial vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.55% | +3.44 pp |
| Delinquency Rate | 1.81% | +0.91 pp |
| Return on Assets | 0.08% | -0.55 pp |
| Member Growth | -3.12% | - |
| Loan-to-Share Ratio | 55.02% | -17.18 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Advanced Financial filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $108.5M | - |
| 2025Q4 | $106.9M | 6,459 |
| 2024Q4 | $109.7M | 6,667 |
| 2023Q4 | $110.3M | 6,978 |
Credit Union Details
- Charter Number
- 16785
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- NEW PROVIDENCE
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Advanced Financial runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| New Providence (Main Office) | NEW PROVIDENCE, NJ |
| Roselle | Roselle, NJ |
| Scotch Plains | Scotch Plains, NJ |
| West Orange | West Orange, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Cross-state Call Report peers for Advanced Financial
Using this data
- Advanced Financial ranks #3,755 of 4,374 nationally on financial health and #92 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SEAPORT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SEAPORT
Frequently Asked Questions
Is Advanced Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Advanced Financial scores 67/100 (Good), with a 15.55% net worth ratio and 1.81% of loans delinquent. It ranks #3,755 of 4,374 nationally on health and #92 of 127 in New Jersey.
How does Advanced Financial compare to other credit unions?
Advanced Financial scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (15.55% vs 12.11%). Its widest shortfall is loan-to-share ratio (55.02% vs 72.20%).
How can I join Advanced Financial?
Advanced Financial operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Advanced Financial directly for the exact boundaries and application steps.
Is my money safe at Advanced Financial?
Advanced Financial is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Advanced Financial's net worth ratio of 15.55% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.