Federal credit union · Basking Ridge, New Jersey · NCUA charter #857
AFFINITY
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $4.42B
- Total assets
- 242,194
- Members
- 8.1%
- Net-worth ratio
AFFINITY scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.42B; members 242,194; net-worth ratio 8.14%; health rank #2,904 of 4,374; healthier than 33rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,904 of 4,374 health · 2025Q4AFFINITY · health 79/100 · $4.42B · 2025Q4
- RANK 79/100
- PHOTO 8.1%
- BOOK 0.92%
- CHARTER 0.13%
- NCUSIF $4.42B
- CAMELS 242,194
- HEALTH #2,904/4,374
- NW SAFE
- DELQ 857
Call Report peers
AFFINITY in the assets neighbourhood
AFFINITY's $4.42B assets sit next to SAFE ($4.40B) 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.
AFFINITY 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
79 33rd percentile higher than 33% 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
AFFINITY - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #857. See our deposit-insurance coverage note.
Peer-gap read for AFFINITY
- Loan-to-Share Ratio leads the peer set - 104.26% here, 83.90% peer average (+20.36 pp).
- Net Worth Ratio trails the peer set - 8.14% here, 11.18% peer average (-3.04 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where AFFINITY sits in New Jersey
- In New Jersey, health place is #47 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #1 of 127 inside New Jersey ($4.42B reported).
- Member book place in New Jersey: #1 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.
How AFFINITY's 5300 filing moved
AFFINITY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $4.42B (2025Q4) to $4.40B (2026Q1).
- Net-worth ratio shifted -0.03 pp (8.17% → 8.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.14%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 25.4 pts
- Delinquency Rate 20.8 pts
- Return on Assets 9.4 pts
- Member Growth 14.8 pts
- Loan-to-Share Ratio 8.6 pts
AFFINITY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.14% | -3.04 pp |
| Delinquency Rate | 0.92% | +0.05 pp |
| Return on Assets | 0.13% | -0.38 pp |
| Member Growth | 4.82% | - |
| Loan-to-Share Ratio | 104.26% | +20.36 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
AFFINITY quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.40B | - |
| 2025Q4 | $4.42B | 242,194 |
| 2024Q4 | $4.14B | 231,052 |
| 2023Q4 | $4.27B | 232,404 |
Credit Union Details
- Charter Number
- 857
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New Jersey
- City
- Basking Ridge
- Data Quarter
- 2025Q4
Branch Locations (22)
AFFINITY operates 22 offices across 22 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Headquarters (Main Office) | Basking Ridge, NJ |
| Bardonia Branch | Bardonia, NY |
| Bedminster Branch | Bedminster, NJ |
| Cedar Knolls Branch | Cedar Knolls, NJ |
| Quest Diagnostics | Clifton, NJ |
| Denville Branch | Denville, NJ |
| Saint Clare's Hospital - Dover | Dover, NJ |
| Edison Branch | Edison, NJ |
| Elizabeth Branch | Elizabeth, NJ |
| Flemington Branch | Flemington, NJ |
| Hillsborough Branch | Hillsborough, NJ |
| Lawrenceville Branch | Lawrence Township, NJ |
| Madison Branch | Madison, NJ |
| Middletown Branch | Middletown, NJ |
| New Brunswick Branch | New Brunswick, NJ |
| New Haven Branch | New Haven, CT |
| New Providence Branch | New Providence, NJ |
| Norwalk Branch | Norwalk, CT |
| Piscataway Branch | Piscataway, NJ |
| River Edge Branch | River Edge, NJ |
| Stony Point | Stony Point, NY |
| White Plains Branch | White Plains, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
AFFINITY nationwide neighbourhoods
Two NCUA Call Report peer sets for AFFINITY, both outside New Jersey so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.42B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- AFFINITY ranks #2,904 of 4,374 nationally on financial health and #47 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Merck Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Merck Employees
- 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 AFFINITY financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, AFFINITY carries a financial health score of 79/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,904 of 4,374; by total assets it ranks #110 of 4,374 nationally (same basis as /rankings/largest); and #1 of 127 within New Jersey. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.14% net worth ratio and a 0.92% delinquency rate.
How does AFFINITY compare to other credit unions?
AFFINITY scores 79/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 AFFINITY?
AFFINITY 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 AFFINITY directly for the exact boundaries and application steps.
Is my money safe at AFFINITY?
Federal credit unions like AFFINITY 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. AFFINITY's net worth ratio of 8.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does AFFINITY offer compared to banks?
Credit unions like AFFINITY 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 AFFINITY 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.