Federal credit union · Denver, Colorado · NCUA charter #2847
AFFIDIAN
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $358.4M
- Total assets
- 14,247
- Members
- 18.1%
- Net-worth ratio
AFFIDIAN scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $358.4M; members 14,247; net-worth ratio 18.07%; health rank #731 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#731 of 4,374 health · 2025Q4AFFIDIAN · health 92/100 · $358.4M · 2025Q4
- NCUSIF 92/100
- CAMELS 18.1%
- HEALTH 0.93%
- NW 1.52%
- DELQ $358.4M
- ROA 14,247
- ASSETS #731/4,374
- MEM Cardinal Credit Union, Inc.
- RANK 2847
Call Report peers
AFFIDIAN in the assets neighbourhood
AFFIDIAN's $358.4M assets sit next to Cardinal Credit Union, Inc. ($358.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AFFIDIAN vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
AFFIDIAN - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #2847. See our deposit-insurance coverage note.
AFFIDIAN: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +8.16 pp (80.36% vs 72.20%).
- Widest shortfall vs peers is Delinquency Rate: +0.04 pp (0.93% vs 0.89%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
AFFIDIAN in Colorado
- Colorado health ordinal: #10 of 66.
- Colorado assets place: #15 of 66.
- Membership ranks #16 of 66 among Colorado CUs with a reported count (14,247 members).
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
AFFIDIAN: 2025Q4 → 2026Q1
AFFIDIAN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $358.4M (2025Q4) to $362.5M (2026Q1).
- Net-worth ratio shifted -0.13 pp (18.20% → 18.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 18.07% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.7 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.07% | +5.96 pp |
| Delinquency Rate | 0.93% | +0.04 pp |
| Return on Assets | 1.52% | +0.89 pp |
| Member Growth | 1.95% | - |
| Loan-to-Share Ratio | 80.36% | +8.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - AFFIDIAN
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $362.5M | - |
| 2025Q4 | $358.4M | 14,247 |
| 2024Q4 | $338.2M | 13,975 |
| 2023Q4 | $321.9M | 13,706 |
Credit Union Details
- Charter Number
- 2847
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- Denver
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for AFFIDIAN, spread across 3 cities.
| Office | City |
|---|---|
| Denver Branch (Main Office) | Denver, CO |
| Aurora Branch | Aurora, CO |
| Lone Tree Branch | Lone Tree, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
More federally-insured credit unions based in Colorado, ordered by peer group match and asset size.
Cross-state Call Report peers for AFFIDIAN
Cross-state asset and health neighbours for AFFIDIAN - kept outside Colorado; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($358.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- AFFIDIAN ranks #731 of 4,374 nationally on financial health and #10 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Red Rocks is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Red Rocks
- Rates and health both vary by institution, not just by state -- see how Colorado credit unions compare overall before assuming this one is typical. Colorado state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is AFFIDIAN financially healthy?
AFFIDIAN has a financial health score of 92/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #731 of 4,374; by total assets it ranks #931 of 4,374 nationally (same basis as /rankings/largest); and #15 of 66 within Colorado. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.07% and delinquency rate of 0.93%.
How does AFFIDIAN compare to other credit unions?
Five weighted metrics from NCUA filings produce AFFIDIAN's 92/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join AFFIDIAN?
AFFIDIAN carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact AFFIDIAN directly to confirm current membership steps.
Is my money safe at AFFIDIAN?
Federal credit unions like AFFIDIAN are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. AFFIDIAN's net worth ratio of 18.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does AFFIDIAN offer compared to banks?
Credit unions like AFFIDIAN are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact AFFIDIAN directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.