Affinity Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.2 has resulted in Fair (3.3) profitability.
Other Rating Factors:
A current level of 13.6 percent of nonperforming loans to core capital combined with 15.2 percent from a year earlier contributes to the Good asset quality (5.9). Good current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 8.1.
Asset Mix:
Home mtgs (50%), consumer loans (22%), other (29%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
73 Mountainview Boulevard
Basking Ridge, NJ 07920
Basking Ridge, NJ 07920
Phone Number
(908) 860-7208
NCUA Charter Number
Website
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