Headquartered in New Providence, New Jersey, Advanced Financial Federal Credit Union is a federal credit union with $107.0M in total assets and $89.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1965.
Advanced Financial Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 1,341 credit unions with $100 million – $1 billion. Among 126 credit unions headquartered in New Jersey, it ranks 46th. Capital cushion contributes the most (100/100, 15.67%); earnings contributes the least (26/100, 0.15%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (70 → 72), mostly because the loan quality component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 71 |
| Q4 2024 | 70 |
| Q1 2025 | 71 |
| Q2 2025 | 70 |
| Q3 2025 | 71 |
| Q4 2025 | 69 |
| Q1 2026 | 68 |
| Q2 2026 | 72 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.44% |
| Q3 2024 | 15.42% |
| Q4 2024 | 15.33% |
| Q1 2025 | 15.47% |
| Q2 2025 | 15.58% |
| Q3 2025 | 15.38% |
| Q4 2025 | 15.73% |
| Q1 2026 | 15.55% |
| Q2 2026 | 15.67% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.47% |
| Q3 2024 | 1.59% |
| Q4 2024 | 1.62% |
| Q1 2025 | 1.47% |
| Q2 2025 | 1.67% |
| Q3 2025 | 1.62% |
| Q4 2025 | 1.81% |
| Q1 2026 | 1.94% |
| Q2 2026 | 1.45% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.08% |
| Q1 2025 | -0.00% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.15% |
| Q2 2026 | 0.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $107.0M | 15.67% | 1.45% | 0.15% | 59.0% |
| Q1 2026 | 68 | $108.5M | 15.55% | 1.94% | 0.15% | 56.7% |
| Q4 2025 | 69 | $106.9M | 15.73% | 1.81% | 0.16% | 55.0% |
| Q3 2025 | 71 | $108.9M | 15.38% | 1.62% | 0.11% | 57.6% |
| Q2 2025 | 70 | $107.2M | 15.58% | 1.67% | 0.10% | 55.0% |
| Q1 2025 | 71 | $108.6M | 15.47% | 1.47% | -0.00% | 59.4% |
| Q4 2024 | 70 | $109.7M | 15.33% | 1.62% | 0.08% | 57.0% |
| Q3 2024 | 71 | $109.0M | 15.42% | 1.59% | 0.10% | 59.5% |
| Q2 2024 | 71 | $108.5M | 15.44% | 1.47% | 0.05% | 61.8% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Raritan Bay Federal Credit UnionCredit union Sayreville, NJ | 64 out of 100, Moderate | $107.6M | 8.8% | 1.24% | vs |
| Seaport Federal Credit UnionCredit union Elizabeth, NJ | 75 out of 100, Strong | $109.6M | 13.1% | 0.50% | vs |
| Deepwater Industries Federal Credit UnionCredit union Deepwater, NJ | 77 out of 100, Strong | $113.6M | 11.2% | 1.00% | vs |
| Members 1st of NJ Federal Credit UnionCredit union Vineland, NJ | 67 out of 100, Moderate | $134.2M | 9.6% | 0.65% | vs |
| Liberty Savings Federal Credit UnionCredit union Jersey City, NJ | 54 out of 100, Below average | $135.1M | 11.7% | 2.09% | vs |
| Healthcare Employees Federal Credit UnionCredit union Princeton, NJ | 86 out of 100, Very strong | $137.2M | 13.6% | 0.62% | vs |
Deposit insurance
Is my money safe at Advanced Financial Federal Credit Union?
Yes. Advanced Financial Federal Credit Union is a federally insured credit union (NCUA charter #16785). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 5.0% of shares and deposits ($4.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 15.67%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Advanced Financial Federal Credit Union lists 1 office in 1 city. Most locations:
- New Providence, NJ (1)
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Advanced Financial FCU Everyday Rewards Visa | 14.24% – 16.24% | $0 | $35 | 0.8% |
Identity & history
Profile
- Legal name
- Advanced Financial Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 16785
- RSSD ID
- 359780
- Primary regulator
- NCUA
- Established
- 1965
- Headquarters
- 785 Central Ave, New Providence, NJ 07974
- Employees
- 29
Quick answers
Advanced Financial Federal Credit Union: common questions
Is Advanced Financial Federal Credit Union NCUA insured?
Yes. Advanced Financial Federal Credit Union is a federally insured credit union (NCUA charter #16785). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Advanced Financial Federal Credit Union's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Advanced Financial Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near New Providence
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| Division 819 Transit Employees Credit UnionCredit union Irvington, NJ | 88 out of 100, Very strong | $16.7M | 17.9% | 1.02% | vs |
| Local 1233 Federal Credit UnionCredit union Newark, NJ | 88 out of 100, Very strong | $14.1M | 17.9% | 0.27% | vs |
| Lusitania Savings BankBank Newark, NJ | 86 out of 100, Very strong | $418.1M | 15.0% | 0.19% | vs |
| Merck Employees Federal Credit UnionCredit union Rahway, NJ | 86 out of 100, Very strong | $1.7B | 15.4% | 0.30% | vs |