Federal credit union · Minot, North Dakota · NCUA charter #12980
Affinity First
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $69.9M
- Total assets
- 2,573
- Members
- 13.4%
- Net-worth ratio
Affinity First scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $69.9M; members 2,573; net-worth ratio 13.39%; health rank #926 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#926 of 4,374 health · 2025Q4Affinity First · health 91/100 · $69.9M · 2025Q4
- CHARTER 91/100
- NCUSIF 13.4%
- CAMELS 0.18%
- HEALTH 0.51%
- NW $69.9M
- DELQ 2,573
- ROA #926/4,374
- ASSETS BOPTI
- MEM 12980
Call Report peers
Affinity First in the assets neighbourhood
Affinity First's $69.9M assets sit next to BOPTI ($69.7M) 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 First 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
91 Top 23% higher than 77% 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 First - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #12980: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Affinity First diverges from peer averages
- Delinquency Rate leads the peer set - 0.18% here, 0.96% peer average (-0.78 pp).
- Largest lag: Loan-to-Share Ratio at 61.35% vs peer 62.60% (-1.25 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Affinity First: in-state Call Report ranks
- Health composite ranks #6 of 29 among scored North Dakota credit unions.
- By total assets, Affinity First is #14 of 29 in North Dakota.
- Member book place in North Dakota: #15 of 29.
In-state ordinals use the live credit_unions table for ND only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Affinity First Call Report trajectory
Affinity First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $69.9M (2025Q4) to $71.0M (2026Q1).
- Net-worth ratio shifted +0.04 pp (13.35% → 13.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.39%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 13.4 pts
Call Report ratios for Affinity First
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.39% | -0.23 pp |
| Delinquency Rate | 0.18% | -0.78 pp |
| Return on Assets | 0.51% | -0.14 pp |
| Member Growth | -0.77% | - |
| Loan-to-Share Ratio | 61.35% | -1.25 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $71.0M | - |
| 2025Q4 | $69.9M | 2,573 |
| 2024Q4 | $66.5M | 2,593 |
| 2023Q4 | $62.2M | 2,822 |
Credit Union Details
- Charter Number
- 12980
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- North Dakota
- City
- Minot
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Affinity First runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Affinity First FCU (Main Office) | Minot, ND |
| Aspire Community Credit Union | Minot, ND |
| Computer Marketing Corporation FLEX | Sandy, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
A look at other North Dakota credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Affinity First's nationwide photo peers by assets and by health score, excluding North Dakota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($69.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Affinity First ranks #926 of 4,374 nationally on financial health and #6 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fargo Public Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fargo Public Schools
- Rates and health both vary by institution, not just by state -- see how North Dakota credit unions compare overall before assuming this one is typical. North Dakota 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 First financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Affinity First carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #926 of 4,374; by total assets it ranks #2,139 of 4,374 nationally (same basis as /rankings/largest); and #14 of 29 within North Dakota. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.39% net worth ratio and a 0.18% delinquency rate.
How does Affinity First compare to other credit unions?
Five weighted metrics from NCUA filings produce Affinity First's 91/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Affinity First?
Affinity First operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Affinity First directly for the exact boundaries and application steps.
Is my money safe at Affinity First?
Federal credit unions like Affinity First 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 First's net worth ratio of 13.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Affinity First offer compared to banks?
Credit unions like Affinity First 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 First 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.