Side-by-side · Q2 2026 data
Affinity Federal Credit Union vs Division 819 Transit Employees Credit Union
Credit union
Affinity Federal Credit Union
Basking Ridge, New Jersey · $1 billion – $10 billion
Credit union
Division 819 Transit Employees Credit Union
Irvington, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Affinity Federal Credit Union | Division 819 Transit Employees Credit Union |
|---|---|---|
| TellerScore | 49 | 88 (stronger) |
| Capital cushion | 31 | 100 (stronger) |
| Loan quality | 69 (stronger) | 66 |
| Earnings | 28 | 83 (stronger) |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 80 | 96 (stronger) |
| Peer percentile | 5th | 85th |
| Total assets | $4.4B | $16.7M |
| Deposits / shares | $3.8B | $13.7M |
| Capital ratio | 8.14% | 17.89% (stronger) |
| Problem loans | 0.93% (stronger) | 1.02% |
| Net charge-offs | 0.40% (stronger) | 1.73% |
| Return on assets | 0.21% | 1.56% (stronger) |
| Loans ÷ deposits | 102.6% | 42.6% (stronger) |
| Uninsured deposits | 10.1% | 0.0% (stronger) |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Division 819 Transit Employees Credit Union has the higher TellerScore (88 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Affinity Federal Credit Union leads on 2 and Division 819 Transit Employees Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.