Credit union
Affinity Federal Credit Union
Basking Ridge, New Jersey, Somerset County, NJ
$4.4B in total assets and 248,891 members, the 111th largest of 4,298 US credit unions and 1st of 126 headquartered in New Jersey.
- NCUA charter
- 857
- Charter
- Federal
- Chartered
- 1935
- NCUA insured since
- 1971
- Field of membership
- Multiple common bond - primarily communications and utilities
- Website
- https://www.affinityfcu.com
At a glance
Compared with 445 US federally insured credit unions with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $4.4B | 81% | $2.1B | |
| Loans | $3.9B | 88% | $1.5B | |
| Deposits (shares) | $3.8B | 82% | $1.8B | |
| Members | 248,891 | 83% | 117,912 | |
| Return on assets | 0.21% | 8% | 0.82% | |
| Net interest income to assets | 2.87% | 17% | 3.42% | |
| Efficiency ratio | 86.2% | 95% | 71.7% | |
| Net worth ratio | 8.14% | 4% | 10.89% | |
| Loans to shares | 103% | 91% | 88% | |
| Cost of deposits | 2.11% | 74% | 1.78% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 5.9% a year over 10 years and 3.8% a year over the last 5, including 5 mergers in the last 10 years. Membership grew 5.6% a year over 5 years, to 248,891.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Oct 2025 | Entertainment Industries Federal Credit Union Credit union, Elizabeth, NJ | $14M |
| Mar 2025 | M & C Menlo Park Federal Credit Union Credit union, Iselin, NJ | $1M |
| Jul 2022 | Piscataway Township Employees Federal Credit Union Credit union, Piscataway, NJ | $2M |
| Aug 2017 | Nea Federal Credit Union Credit union, Bardonia, NY | $95M |
| Oct 2016 | Renaissance Community Development C Credit Union Credit union, Somerset, NJ | $528K |
| Aug 2014 | Local 32 Asbestos Workers Federal Credit Union Credit union, Highland Park, NJ | $192K |
| Aug 2013 | Runnells Hospital Employees Federal Credit Union Credit union, Berkeley Height, NJ | $461K |
| Aug 2011 | Fountain Baptist Federal Credit Union Credit union, Summit, NJ | $67K |
Where they operate
22 branches in 13 counties.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Morris County, NJ | 4 | 2.3% | 14 of 38 |
| Middlesex County, NJ | 3 | 1.2% | 17 of 59 |
| Somerset County, NJ | 3 | 2.9% | 12 of 26 |
| Union County, NJ | 2 | 1.1% | 21 of 51 |
| Rockland County, NY | 2 | 2.6% | 10 of 18 |
| South Central Connecticut Planning Region, CT | 1 | 0.6% | 21 of 45 |
| Western Connecticut Planning Region, CT | 1 | 0.4% | 28 of 42 |
| Bergen County, NJ | 1 | 0.3% | 37 of 55 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 16 | |
| 2017 | 23 | +7 |
| 2018 | 22 | −1 |
| 2019 | 22 | 0 |
| 2020 | 22 | 0 |
| 2021 | 22 | 0 |
| 2022 | 22 | 0 |
| 2023 | 22 | 0 |
| 2024 | 22 | 0 |
| 2025 | 22 | 0 |
| Jun 2026 | 22 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.93% | 0.69% |
| Net worth ratio | 8.14% | 10.89% |
| Loans to shares | 103% | 88% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in New Jersey
Most branches in Morris County, NJ
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.