Affinity Federal Credit Union
Total assets
$4.40B
▲ +4.0% YoY
Shares & deposits
$3.90B
▲ +6.3% YoY
Loans
$3.95B
▲ +10.9% YoY
Members
245,563
▲ +5.5% YoY
ROA (annualized)
0.19%
peers 0.71%
ROE (annualized)
2.39%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +5.1% | -1.2 pts |
| Share growth (YoY) | +6.3% | +4.9% | +1.4 pts |
| Loan growth (YoY) | +10.9% | +5.4% | +5.5 pts |
| ROA | 0.19% | 0.71% | -0.5 pts |
| ROE | 2.4% | 6.3% | -3.9 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 73 Mountainview Blvd, Basking Ridge, NJ, 07920
- NCUA charter #
- 857
- RSSD ID
- 755878
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.40B | $3.90B | $3.95B | $351.7M | $2.1M | 0.19% | 2.80% | 0.72% | 245,563 |
| Q4 2025 | $4.42B | $3.77B | $3.93B | $349.6M | $9.7M | 0.22% | 2.71% | 0.92% | 242,194 |
| Q3 2025 | $4.32B | $3.65B | $3.84B | $350.1M | $10.5M | 0.32% | 2.75% | 0.93% | 240,589 |
| Q2 2025 | $4.13B | $3.60B | $3.70B | $349.7M | $10.1M | 0.49% | 2.84% | 0.89% | 236,675 |
| Q1 2025 | $4.24B | $3.67B | $3.56B | $341.2M | $1.6M | 0.15% | 2.75% | 0.85% | 232,691 |
| Q4 2024 | $4.14B | $3.58B | $3.60B | $339.5M | $5.6M | 0.14% | 2.53% | 1.20% | 231,052 |
| Q3 2024 | $4.12B | $3.55B | $3.64B | $340.3M | $4.2M | 0.14% | 2.54% | 1.24% | 231,022 |
| Q2 2024 | $4.11B | $3.54B | $3.65B | $339.4M | $3.4M | 0.16% | 2.54% | 1.31% | 227,891 |
Loan mix (Q1 2026): real estate $2.54B · commercial $291.7M · consumer $621.8M · securities $155.7M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.71% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 6.3% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.32% | 18th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.5% | 73.0% | 92th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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