Federal credit union · NEW PROVIDENCE, New Jersey · NCUA charter #16785
Advanced Financial
Health score 67/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $106.9M
- Total assets
- 6,459
- Members
- 12.7%
- Net-worth ratio
Advanced Financial - Share Insurance Coverage
Charter #16785's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Advanced Financial - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)56
- Earnings (ROA)53
- Member growth23
- Liquidity (loan-to-share)78
Weighted composite: 67/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
12.74% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.74% | 30% |
| Delinquency Rate | 1.81% | 25% |
| Return on Assets | 0.08% | 15% |
| Member Growth | -3.12% | 15% |
| Loan-to-Share Ratio | 55.02% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Advanced Financial
6,459 members and $106.9M in total assets sit behind Advanced Financial, a federal credit union in NEW PROVIDENCE, New Jersey, which posts a health score of 67/100 (Good) on the five-factor composite, with $49.5M in outstanding loans as of Q4 2025 and a net worth ratio of 12.74% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #16785 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.81% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. The loan-to-share ratio of 55.02% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.08% on net income of $82K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.12%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Advanced Financial financially healthy?
Advanced Financial scores 67/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.74% net worth ratio and a 1.81% delinquency rate.
How does Advanced Financial compare to other credit unions?
67/100 is Advanced Financial's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Advanced Financial are 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 12.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Advanced Financial offer compared to banks?
Credit unions like Advanced Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Advanced Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.