# AFFINITY
Basking Ridge, NJ · NCUA charter 857 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/affinity-857

Who the members are: federal charter, multiple common bond, organized 1935. 245,563 members of 967,303 potential (25.4% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.40B |
| Members | 245,563 (5.5% YoY) |
| Full-time staff | 523 |
| Net worth | $351.7M |
| Net worth ratio | 8.0% (p3 of band) |
| ROA (annualized) | 0.19% (p9 of band) |
| Total delinquency | 0.72% (p62 of band) |
| Net charge-offs (annualized) | 0.36% (p30 of band) |
| Loans / shares | 101% (p93 of band) |
| Cash / assets | 3.2% |
| Borrowings / assets | 2.05% |
| Net interest margin | 2.80% (p18 of band) |
| Operating expense / assets | 3.33% (p57 of band) |
| Vehicles % of loans | 11% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 53% |
| Third-party paper % of net worth | 363% (p93 of band) |
| Vehicle delinquency | 2.53% (p98 of band) |
| Vehicle NCO | 2.45% (p91 of band) |
| Repossessed % of vehicle book | 0.02% (p27 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 83% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 30% |
| Average share balance | $6,805 |
| Participations bought / yr | $0 |
| Participations sold / yr | $100.4M |
| Participations outstanding | $258.8M |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $38,064 |
| Loans granted, annualized | $1.09B |

## Participation posture (from the same filings)

Bought $0 and sold $100.4M in the latest annualized quarter; $258.8M outstanding purchased (73.6% of net worth), $9.3M sold and retained. Sold in 1 and bought in 7 of the last 8 quarters. Shares 6.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 3 | loans>95% of shares |  |
| 2016-09 | 3 | leaning on borrowings | delinquency 2x band |
| 2016-12 | 5 | net worth falling, 3rd-party paper>100% NW |  |
| 2017-03 | 4 |  | net worth falling |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 5 | net worth falling |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 4 |  | net worth falling |
| 2019-03 | 5 | delinquency 2x band |  |
| 2019-06 | 4 |  | delinquency 2x band |
| 2019-09 | 4 |  |  |
| 2019-12 | 5 | net worth falling |  |
| 2020-03 | 4 |  | net worth falling |
| 2020-06 | 6 | delinquency 2x band, delinquency rising |  |
| 2020-09 | 5 |  | delinquency rising |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 4 |  | leaning on borrowings |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 | net worth falling | loans>95% of shares |
| 2022-06 | 4 | loans>95% of shares | net worth falling |
| 2022-09 | 6 | delinquency rising, leaning on borrowings |  |
| 2022-12 | 6 |  |  |
| 2023-03 | 6 |  |  |
| 2023-06 | 7 | margin squeeze |  |
| 2023-09 | 7 | losing money | margin squeeze |
| 2023-12 | 8 | charge-offs p90, assets shrinking | delinquency rising |
| 2024-03 | 5 |  | leaning on borrowings, losing money, charge-offs p90 |
| 2024-06 | 6 | loan book shrinking |  |
| 2024-09 | 5 |  | loan book shrinking |
| 2024-12 | 5 | net worth falling | delinquency 2x band |
| 2025-03 | 4 |  | assets shrinking |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 4 | leaning on borrowings |  |
| 2025-12 | 5 | net worth falling |  |
| 2026-03 | 3 |  | leaning on borrowings, net worth falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-17 [Affinity Federal Credit Union and Greenlight Financial Technology expand partnership - ROI-NJ](https://news.google.com/rss/articles/CBMixgFBVV95cUxPZHRxandfSjhpdnRPanBaWEpZbjlqaXlWd2FNcFNiRVZFWmlta1ZrYzZ1anN4aGY2MHc5SngzVWxvdGU0RldCaVo1elN1MjYwZlJ4NzZyakd6WmdWWEVmZTJYTXNSN2ViRUJKY3o5dURHT0xvbUktOHNHaGtXWk9iSTY3UFVYdDB0cktMZEt5bm4yYURxNHRSVzhybVliTXk4bUdVcTdDRmVDRDdRWW1KVFNZVW9rLUJfS1FNMWZzektBRjBkWVE?oc=5) · ROI-NJ
- 2026-05-07 [Trenton Thunder and Affinity Federal Credit Union Launch “Hits for Hope” to Support Trenton Community Ahead of 2026 Season - MLB Draft League](https://news.google.com/rss/articles/CBMi9wFBVV95cUxPRWVGa2t2LWlzcE1HdXlsUENYMjRsOG5raThlOHpYNllwaTk3azBhX2VfcmxDQnVTNUw5X0E3SlQ4X09RMndFYVpkMDZaMUd3WnlHS3I1VVhjZDh4ZkpvWkI5NEhrcDZHOWpNY0xrNnpDZWJZNlhZSnlfZ00tMy1jcXBxbWdLajduN0ZNVHhLbTRLVkloTXFxcXlOTnJtN3J2cEcwb1FJcDN2aTRmcC1DNFNkNjlyRXRxNTdUWm9qSW04YmFrMGdScWs2NXVzTjQyZVF5Y1paZmpWYXpWaUJjTk1KWk9wd2xqUjVscmxBSTdUd2xxam5N?oc=5) · MLB Draft League
- 2026-01-12 [Affinity Federal Credit Union Recognized with Multiple Industry and Community Awards in 2025 - Business Wire](https://news.google.com/rss/articles/CBMi4wFBVV95cUxQSWhYVHZZSHVvemt4U000RTVtUlZMOWxSemNXQVctWEVycXVhUVVsX1BFZmRNTHhSa0Nta2Y0bVk5aEVpbkRuMlMyM3B5YklpdExLbWhPb0pibGctV1BfWkYzREJPZk44RmY5aEY0VHMwS3lfZE9zdk8wTEZlWU16VkV1c2pMc1BSZEpLR2QwNkJ3RTJqYnNsQzc2V2tDa1RMSUJYMGxwNGdMNHA4dDFieTE2bXQxdFFlbXkxVDl3bTFfaW1jRDZPZl9EczVGZS1hX1NYcXhuOTBmWVgzUnJneWs5dw?oc=5) · Business Wire
- 2026-02-04 [Affinity tops NJBIZ ranking of New Jersey credit unions by assets - NJBIZ](https://news.google.com/rss/articles/CBMidkFVX3lxTE85ZkY2cU5GdkFHQWdkRWU1OVFRYjVONzBwdjg5aFpHQXNhY3prODdYNjh0SlZtQkVzektUZnI4NUZleW1DTVRVaWVLcGQtTTJFc0EzcWhqam5FbUlJS0pBSlBPY1pWUXVBX25ienpkX0szUExOOHc?oc=5) · NJBIZ
- 2026-05-04 [Affinity Federal Credit Union Announces 2026 Wellbeing Awards Honorees - Business Wire](https://news.google.com/rss/articles/CBMixgFBVV95cUxOTHQxNXAxU2lPM2JPNFBVOGRvRWdTeGZMcHZocklPdWNaQy0xeHZ1bmlRVlZRQnc1YjdRR09uOXdsWTRwd0t3NnlQVzAzVVBZTVhuQXF0bHkyaTFySDh3WTN3ekJnajhUYW92VHJwZ2dGRUJmZnFKcnVtcndhWm9IMUdoV2pwdUdBRTNENkpJTVVoVGIzalR0cGJpbmVkZXJ6R2kxc05XX2ZnWkMtY0RERG1XeTJYZVVqaF9uSWt5VEl6dTZob0E?oc=5) · Business Wire
- 2025-09-25 [Affinity Federal Credit Union donates 2,000 pounds of food to New Jersey food banks - WRNJ Radio](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPdEpxQ1lqd0Nyc0Qxb1l6LVhSOUROUThCeExRcV9FN0ptT0duaW1BdV82ZmU0dGRmMVpmZE5ZWlpvZjZmLWRVMjlidGxWdzNnTEdaUWs5aFVfM1NlYWFySnNLUndDaXVCMDd0cmJWenVnd0lZODdFTklEYmZkSHc5Z25YWms2X1dEMXhpcDBENVRJelBlQTJFSmdDZHJZcnBJWlJDNHgxbWQ?oc=5) · WRNJ Radio
- 2026-01-13 [John T. Fenton - Pizzi Funeral Home](https://news.google.com/rss/articles/CBMiTkFVX3lxTE1qXzZnRU1SVzhUZWxCeGxZRE5rNFFMbnNMUzJtUVA1WXZRTTJ0MHBBalB3YkQ2ektnVGhuS2lIODlZNks1LVlpbTVnRldKUQ?oc=5) · Pizzi Funeral Home
- 2026-07-07 [Affinity Federal Credit Union golf outing raises $254K for foundation programs - ROI-NJ](https://news.google.com/rss/articles/CBMivAFBVV95cUxPSUJsdzVXeGNvWEFXdGY3R2hPTWh5LU51QXhRVmFMaVN4YWdGUDYwanNNeV9fSnR0VEtwMHBBOFR0bmJhV3hKQUszd1J2ZHp4bEhrSXNJR1Vhb3RwbnlrNDFjMHFpU1R2cVA5U05ZeEV1T1dtaW41UU9xbktoRlNmV1NlNDVyZWE2NUxCTUxuYTNFdFZHMGR3SnhZY0g4RC1CS0FhU3lnUnhFZi1ocW1wM0lNbEN5ZG0zZmxoUA?oc=5) · ROI-NJ

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=857 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/25.json (key "857", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=857
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide