Affinity
Basking Ridge, NJ · Charter 857 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 22 branches
Q2 2026
$4.4BAssets
$3.9BLoans
$3.8BShares
$354.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 32% of credit unions $1B-$10B in assets (rank 297 of 435).
- Widest gap: equity / assets trails 96% of credit unions $1B-$10B in assets (rank 416 of 435).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.21%
Rank 405 of 435
Net Interest Margin
2.89%
Rank 357 of 435
Efficiency Ratio
86.16%
Rank 415 of 435
Equity / Assets
8.14%
Rank 416 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.21% | 0.55% | 0.81% | 1.14% | Beats 7% | 405 / 435 | |
| Return on Equity | 2.56% | 5.12% | 7.41% | 9.70% | Beats 9% | 395 / 435 | |
| Net Interest Margin | 2.89% | 3.01% | 3.39% | 3.75% | Beats 18% | 357 / 435 | |
| Efficiency Ratio | 86.16% | 65.25% | 71.39% | 77.86% | Beats 5% | 415 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.93% | 0.45% | 0.69% | 1.05% | Beats 32% | 297 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.14% | 9.81% | 10.84% | 12.63% | Beats 4% | 416 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.14% | 9.81% | 10.84% | 12.63% | Beats 4% | 416 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 102.57% | 78.33% | 88.38% | 95.61% | 90th pctl | 42 / 435 | |
| Loans / Assets | 89.91% | 67.69% | 74.58% | 80.80% | 99th pctl | 4 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |