Affinity Plus Federal Credit Union
Total assets
$5.05B
▲ +12.2% YoY
Shares & deposits
$4.30B
▲ +9.1% YoY
Loans
$3.79B
▲ +4.9% YoY
Members
298,790
▲ +5.8% YoY
ROA (annualized)
1.05%
peers 0.71%
ROE (annualized)
12.45%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.2% | +5.1% | +7.1 pts |
| Share growth (YoY) | +9.1% | +4.9% | +4.2 pts |
| Loan growth (YoY) | +4.9% | +5.4% | -0.5 pts |
| ROA | 1.05% | 0.71% | +0.3 pts |
| ROE | 12.4% | 6.3% | +6.2 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
Profile
- Established
- 1934
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 175 W Lafayette Frontage Rd, Saint Paul, MN, 55107
- NCUA charter #
- 24362
- RSSD ID
- 131490
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.05B | $4.30B | $3.79B | $426.7M | $13.3M | 1.05% | 3.40% | 0.56% | 298,790 |
| Q4 2025 | $4.88B | $4.15B | $3.71B | $413.4M | $44.9M | 0.92% | 3.41% | 0.68% | 294,655 |
| Q3 2025 | $4.70B | $4.01B | $3.64B | $403.3M | $27.7M | 0.79% | 3.49% | 0.62% | 291,157 |
| Q2 2025 | $4.49B | $3.92B | $3.65B | $388.0M | $14.7M | 0.65% | 3.59% | 0.61% | 286,493 |
| Q1 2025 | $4.50B | $3.94B | $3.61B | $377.6M | $4.2M | 0.38% | 3.48% | 0.56% | 282,338 |
| Q4 2024 | $4.32B | $3.76B | $3.67B | $373.4M | $20.3M | 0.47% | 3.51% | 0.73% | 278,081 |
| Q3 2024 | $4.23B | $3.67B | $3.63B | $373.8M | $13.5M | 0.43% | 3.54% | 0.65% | 273,913 |
| Q2 2024 | $4.21B | $3.64B | $3.68B | $367.5M | $7.2M | 0.34% | 3.53% | 0.63% | 272,147 |
Loan mix (Q1 2026): real estate $1.87B · commercial $74.6M · consumer $1.52B · securities $376.6M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.71% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 6.3% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.32% | 55th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 73.0% | 33th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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