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.
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NCUA 5300 Call Report Masthead
#926 of 4,374 health · 2025Q4Affinity First · health 91/100 · $69.9M · 2025Q4
Call Report peers
Affinity First in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Affinity First sits in 90-94 with 747 others.
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
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).
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.
- One place up in North Dakota, Northern Valley (#5) ties at 91/100; one place down, Fargo Va (#7) ties at 91/100.
Affinity First Call Report trajectory
Affinity First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $69.9M (2025Q4) to $71.0M (2026Q1).
- Net-worth ratio shifted +0.04 pp (13.35% → 13.39%).
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
Affinity First gives up 9 points in total. Member Growth costs the most, 7.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Affinity First financially healthy?
Affinity First has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #926 of 4,374 nationally on health and #6 of 29 in North Dakota. Its net worth ratio is 13.39% and its delinquency rate 0.18%.
How does Affinity First compare to other credit unions?
Affinity First scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.18% vs 0.96%). Its widest shortfall is loan-to-share ratio (61.35% vs 62.60%).
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?
Affinity First is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.