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Credit union, Basking Ridge, NJ
Affinity Credit Union, Basking Ridge, NJ
A credit union based in Basking Ridge, NJ. Its commercial book is mostly non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $280M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 10
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $4.35B
- NCUA 5300,
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How to reach them
Each line shows where it came from
- Phone
- 908-860-7208 From the NCUA record, June 30, 2026.
- Website
- www.affinityfcu.comFrom the NCUA record, November 9, 2026.
- Commercial lending page
- affinityfcu.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- AFFINITY; AFFINITY FEDERAL CREDIT UNIONNCUA 5300,
- Address
- 73 Mountainview Blvd, Basking Ridge, NJ 07920-3849NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Multiple common bond - primarily communications and utilities.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Affinity Credit Union's Multifamily balance rose 15.8% to $20M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Multifamily balance rose 894.7% to $20M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| 2023-10 to 2026-09 | Named as the lender on 2 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Westchester County, NY | Purchase, 5 to 24 units | $1.3M | 6.75% | 10 yr | 77% | HMDA 2025 |
| 1 multifamily loan made in 2025 | $1.30M | HMDA 2025 | |||||
A blank means the source did not report it.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 2 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name Affinity Credit Union as the lender, totaling $1.90M.
- 1 of them were recorded in the latest 12 months of that window.
| Property class | Mortgages | Dollars |
|---|---|---|
| Multifamily | 1 | $1.50M |
| Retail | 1 | $410K |
| Borough | Mortgages |
|---|---|
| Manhattan | 1 |
| Brooklyn | 1 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $20.0M | 0.5% | +894.7% | 23 | $870K |
| Construction and land development | $0 | 0.0% | -100.0% | 0 | Not reported |
| Owner-occupied CRE | $30.9M | 0.8% | -7.3% | 47 | $657K |
| Non-owner-occupied CRE | $223M | 5.7% | -4.8% | 155 | $1.44M |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $6.84M | 0.2% | -17.0% | 108 | $63.3K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $280M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $294M |
| Q4 2023 | $288M |
| Q1 2024 | $283M |
| Q2 2024 | $281M |
| Q3 2024 | $283M |
| Q4 2024 | $276M |
| Q1 2025 | $285M |
| Q2 2025 | $280M |
| Q3 2025 | $282M |
| Q4 2025 | $278M |
| Q1 2026 | $290M |
| Q2 2026 | $280M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 1 | $1.3M | $1.3M | $1.3M | HMDA, |
| 1-4 unit investor or business purpose | 2025 | 10 | $6.29M | $455K | HMDA, | |
| Real-estate-secured commercial | First half of 2026 | 10 | $9.24M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 6 | $7.69M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 4 | $1.55M | NCUA 5300, | ||
| C&I | First half of 2026 | 11 | $2.74M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
| Book | Average loan |
|---|---|
| Multifamily | $870K |
| Owner-occupied CRE | $657K |
| Non-owner-occupied CRE | $1.44M |
| Commercial and industrial | $63.3K |
Programs on record: Federal Home Loan Bank member, New York district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| New Jersey HQ | 17 | 0 | 7 | 0 | 0 |
| New York | 3 | 1 | 3 | 0 | 0 |
| Connecticut | 2 | 0 | 0 | 0 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $533M | $409M to $689M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $262M | $181M to $946M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 49.1% | 26.3% to 144.2% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $53.1M | $51.7M to $92.8M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 68.5% | 25.9% to 179.3% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 89.9% | 69.8% to 90.5% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Canvas Credit Union | CO | $5.29B | $706M |
| Stanford Credit Union | CA | $4.64B | $456M |
| EECU Credit Union | TX | $4.88B | $439M |
| Knoxville Tva Employees Credit Union | TN | $5.32B | $445M |
| Vantage West Credit Union | AZ | $3.34B | $254M |
| Langley Credit Union | VA | $5.62B | $152M |
| American Heritage Credit Union | PA | $5.36B | $918M |
| Jovia Financial Credit Union | NY | $4.56B | $500M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Affinity Credit Union, NCUA charter 857. Compare it with the regulator's record. [NCUA profile]
- Balances. $4.35B in total assets and $280M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 10 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 11 loans in the HMDA file, in 2025: 1 HMDA multifamily 2025, 10 HMDA 1-4 unit investor 2025. [How each file was tied to Affinity Credit Union]
- Phone and website. Phone 908-860-7208, from the NCUA record. Website affinityfcu.com, from the NCUA record. [How to reach them]
- Recorded mortgages, New York City. 2 recorded mortgages in New York City under this name. [Source]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 857
- RSSD
- 755878
- LEI
- 5493004UNRG4PWDF2K60
- The Lender Report ID
- lr_000436
- Main office county
- Somerset
- Members
- 252,338
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $4.4B in total assets as of June 30, 2026 (NCUA 5300).
- Held $280.2M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $222.5M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $30.9M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $20M of multifamily loans as of June 30, 2026, up 894.7% from a year earlier (NCUA 5300).
- Originated 1 multifamily loan totaling $1.3M in 2025 (HMDA).
5 more sentences
- Originated 10 1-4 unit investor or business-purpose loans totaling $6.3M in 2025 (HMDA).
- Originated 10 real-estate-secured commercial loans totaling $9.2M in the first half of 2026 (NCUA 5300).
- Held $24.5M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 22 offices in 3 states (NCUA).
- Named as the lender on 2 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $1.9M (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, Affinity Credit Union, https://lender.report/lender/affinity-credit-union-nj/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- NCUA 5300, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Affinity Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem