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
- ASSETS 67/100
- MEM 15.6%
- RANK 1.81%
- PHOTO 0.08%
- BOOK $106.9M
- CHARTER 6,459
- NCUSIF #3,755/4,374
- CAMELS Total Community
- HEALTH 16785
Call Report peers
Advanced Financial in the assets neighbourhood
Advanced Financial's $106.9M assets sit next to Total Community ($106.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Advanced Financial Call Report trajectory
Advanced Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $106.9M (2025Q4) to $108.5M (2026Q1).
- Net-worth ratio shifted -0.18 pp (15.73% → 15.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Advanced Financial's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($106.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,755 of 4,374; by total assets it ranks #1,768 of 4,374 nationally (same basis as /rankings/largest); and #27 of 127 within New Jersey. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.55% 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 15.55% 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.
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.