State credit union · Des Moines, Iowa · NCUA charter #62829
Affinity
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $149.1M
- Total assets
- 12,674
- Members
- 7.9%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)82
- Asset quality (delinquency)92
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.86% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.86% | 30% |
| Delinquency Rate | 0.71% | 25% |
| Return on Assets | 0.84% | 15% |
| Member Growth | -7.16% | 15% |
| Loan-to-Share Ratio | 81.98% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Affinity
Charter #62829, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Affinity, a state credit union in Des Moines, Iowa with 12,674 members, $149.1M in total assets, and $105.8M in outstanding loans as of Q4 2025. The five-factor composite scores it 78/100 (Very Good), helped by a net worth ratio of 7.86% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.71% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 81.98% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.84% on net income of $1.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -7.16%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Affinity financially healthy?
Affinity has a financial health score of 78/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.86% and delinquency rate of 0.71%.
How does Affinity compare to other credit unions?
Affinity scores 78/100 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 7.86% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.