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
Call Report peers
AFFINITY in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); AFFINITY sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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 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).
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.
- One place up in New Jersey, XCEL (#46) ties at 79/100; one place down, Jersey City Firemen (#48) scores 78/100, 1 point lower.
How AFFINITY's 5300 filing moved
AFFINITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $4.42B (2025Q4) to $4.40B (2026Q1).
- Net-worth ratio shifted -0.03 pp (8.17% → 8.14%).
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
AFFINITY gives up 21 points in total. Loan-to-Share Ratio costs the most, 6.1 of its 15; Member Growth loses the least, 0.2.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is AFFINITY financially healthy?
On its 2025Q4 NCUA 5300 filing, AFFINITY scores 79/100 (Very Good), with a 8.14% net worth ratio and 0.92% of loans delinquent. It ranks #2,904 of 4,374 nationally on health and #47 of 127 in New Jersey.
How does AFFINITY compare to other credit unions?
AFFINITY scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (104.26% vs 83.90%). Its widest shortfall is net worth ratio (8.14% vs 11.18%).
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?
AFFINITY 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. AFFINITY's net worth ratio of 8.14% 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.