Affinity Federal Credit Union (NCUA charter #857) is based in Basking Ridge, New Jersey. Its Q2 2026 call report shows $4.4B in total assets and $3.8B in member shares and deposits and 14 offices across 2 states.
Based on its Q2 2026 filing, Affinity Federal Credit Union scores 49/100, which we describe as below average. That is higher than only 5% of 454 credit unions with $1 billion – $10 billion. Among 126 credit unions headquartered in New Jersey, it ranks 111th. Its strongest component is problem-loan coverage (80/100; 10.2%), and its lowest is earnings (28/100; 0.21%).
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 fell 4 points (53 → 49), mostly because the earnings component weakened by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 45 |
| Q3 2024 | 46 |
| Q4 2024 | 46 |
| Q1 2025 | 50 |
| Q2 2025 | 53 |
| Q3 2025 | 50 |
| Q4 2025 | 49 |
| Q1 2026 | 51 |
| Q2 2026 | 49 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.28% |
| Q3 2024 | 8.33% |
| Q4 2024 | 8.29% |
| Q1 2025 | 8.22% |
| Q2 2025 | 8.48% |
| Q3 2025 | 8.33% |
| Q4 2025 | 8.17% |
| Q1 2026 | 8.14% |
| Q2 2026 | 8.14% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.31% |
| Q3 2024 | 1.24% |
| Q4 2024 | 1.20% |
| Q1 2025 | 0.85% |
| Q2 2025 | 0.89% |
| Q3 2025 | 0.93% |
| Q4 2025 | 0.92% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.93% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 0.14% |
| Q4 2024 | 0.14% |
| Q1 2025 | 0.15% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.22% |
| Q1 2026 | 0.19% |
| Q2 2026 | 0.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 49 | $4.4B | 8.14% | 0.93% | 0.21% | 102.6% |
| Q1 2026 | 51 | $4.4B | 8.14% | 0.72% | 0.19% | 101.4% |
| Q4 2025 | 49 | $4.4B | 8.17% | 0.92% | 0.22% | 104.3% |
| Q3 2025 | 50 | $4.3B | 8.33% | 0.93% | 0.32% | 105.2% |
| Q2 2025 | 53 | $4.1B | 8.48% | 0.89% | 0.49% | 102.6% |
| Q1 2025 | 50 | $4.2B | 8.22% | 0.85% | 0.15% | 97.1% |
| Q4 2024 | 46 | $4.1B | 8.29% | 1.20% | 0.14% | 100.5% |
| Q3 2024 | 46 | $4.1B | 8.33% | 1.24% | 0.14% | 102.3% |
| Q2 2024 | 45 | $4.1B | 8.28% | 1.31% | 0.16% | 102.8% |
454 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Merck Employees Federal Credit UnionCredit union Rahway, NJ | 86 out of 100, Very strong | $1.7B | 15.4% | 0.30% | vs |
Deposit insurance
Is my money safe at Affinity Federal Credit Union?
Yes. Affinity Federal Credit Union is a federally insured credit union (NCUA charter #857). 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 10.1% of shares and deposits ($386.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 8.14%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
14 locations
Branches
Affinity Federal Credit Union lists 14 offices in 14 cities across 2 states. Most locations:
- Bardonia, NY (1)
- Basking Ridge, NJ (1)
- Bedminster, NJ (1)
- Cedar Knolls, NJ (1)
- Clifton, NJ (1)
- Denville, NJ (1)
- Edison, NJ (1)
- Flemington, NJ (1)
- Hillsborough, NJ (1)
- Middletown, NJ (1)
- New Brunswick, NJ (1)
- New Providence, NJ (1)
Identity & history
Profile
- Legal name
- Affinity Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 857
- RSSD ID
- 755878
- Primary regulator
- NCUA
- Established
- 1935
- Headquarters
- 73 Mountainview Blvd, Basking Ridge, NJ 07920
- Employees
- 559
Quick answers
Affinity Federal Credit Union: common questions
Is Affinity Federal Credit Union NCUA insured?
Yes. Affinity Federal Credit Union is a federally insured credit union (NCUA charter #857). 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 Affinity Federal Credit Union's TellerScore?
49 out of 100 (Below average), 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 Affinity Federal Credit Union have?
14 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Basking Ridge
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 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 |
| Merck Employees Federal Credit UnionCredit union Rahway, NJ | 86 out of 100, Very strong | $1.7B | 15.4% | 0.30% | vs |
| Lusitania Savings BankBank Newark, NJ | 86 out of 100, Very strong | $418.1M | 15.0% | 0.19% | vs |
| Linden NJ Police & Firemen Federal Credit UnionCredit union Linden, NJ | 86 out of 100, Very strong | $6.9M | 32.2% | 0.60% | vs |