State credit union · Des Moines, Iowa · NCUA charter #62829
AFFINITY
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $149.1M
- Total assets
- 12,674
- Members
- 12.3%
- Net-worth ratio
AFFINITY scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $149.1M; members 12,674; net-worth ratio 12.30%; health rank #2,280 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,280 of 4,374 health · 2025Q4AFFINITY · health 83/100 · $149.1M · 2025Q4
- NCUSIF 83/100
- CAMELS 12.3%
- HEALTH 0.71%
- NW 0.84%
- DELQ $149.1M
- ROA 12,674
- ASSETS #2,280/4,374
- MEM WAVE
- RANK 62829
Call Report peers
AFFINITY in the assets neighbourhood
AFFINITY's $149.1M assets sit next to WAVE ($149.2M) 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.
AFFINITY 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
83 46th percentile higher than 46% 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
AFFINITY - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62829, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
AFFINITY vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +9.78 pp (81.98% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
AFFINITY in Iowa
- In Iowa, health place is #44 of 66 on the same NCUA-ratio sort used nationally.
- Assets rank #24 of 66 inside Iowa ($149.1M reported).
- Member book place in Iowa: #17 of 66.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
AFFINITY: 2025Q4 → 2026Q1
AFFINITY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $149.1M (2025Q4) to $150.9M (2026Q1).
- Net-worth ratio shifted +0.06 pp (12.24% → 12.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.30% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.1 pts
AFFINITY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.30% | +0.19 pp |
| Delinquency Rate | 0.71% | -0.19 pp |
| Return on Assets | 0.84% | +0.22 pp |
| Member Growth | -7.16% | - |
| Loan-to-Share Ratio | 81.98% | +9.78 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).
AFFINITY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $150.9M | - |
| 2025Q4 | $149.1M | 12,674 |
| 2024Q4 | $148.6M | 13,651 |
| 2023Q4 | $142.2M | 13,596 |
Credit Union Details
- Charter Number
- 62829
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Iowa
- City
- Des Moines
- Data Quarter
- 2025Q4
Branch Locations (2)
AFFINITY operates 2 offices in Des Moines, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | Des Moines, IA |
| South | Des Moines, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
Cross-state Call Report peers for AFFINITY
AFFINITY's nationwide photo peers by assets and by health score, excluding Iowa charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($149.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- AFFINITY ranks #2,280 of 4,374 nationally on financial health and #44 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Telco Triad Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Telco Triad Community
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa 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 AFFINITY financially healthy?
AFFINITY has a financial health score of 83/100 (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 #2,280 of 4,374; by total assets it ranks #1,492 of 4,374 nationally (same basis as /rankings/largest); and #24 of 66 within Iowa. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.30% and delinquency rate of 0.71%.
How does AFFINITY compare to other credit unions?
AFFINITY scores 83/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 AFFINITY?
Membership eligibility for AFFINITY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact AFFINITY directly for current membership requirements and application steps.
Is my money safe at AFFINITY?
Federal credit unions like AFFINITY 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. AFFINITY's net worth ratio of 12.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does AFFINITY offer compared to banks?
Credit unions like AFFINITY 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 AFFINITY 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.