Federal credit union · JAMESTOWN, New York · NCUA charter #5785
Affinity One
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $44.7M
- Total assets
- 3,273
- Members
- 10.8%
- Net-worth ratio
Affinity One scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.7M; members 3,273; net-worth ratio 10.80%; health rank #2,143 of 4,374; healthier than 50th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,143 of 4,374 health · 2025Q4Affinity One · health 84/100 · $44.7M · 2025Q4
- RANK 84/100
- PHOTO 10.8%
- BOOK 0.79%
- CHARTER 0.44%
- NCUSIF $44.7M
- CAMELS 3,273
- HEALTH #2,143/4,374
- NW LAKESHORE
- DELQ 5785
Call Report peers
Affinity One in the assets neighbourhood
Affinity One's $44.7M assets sit next to LAKESHORE ($44.7M) 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 One 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
84 Top 50% higher than 50% 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 One - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #5785, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Affinity One vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 64.99% here, 59.80% peer average (+5.19 pp).
- Net Worth Ratio trails the peer set - 10.80% here, 14.86% peer average (-4.06 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Affinity One
- In New York, health place is #121 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, Affinity One is #136 of 272 in New York.
- New York membership ordinal: #133 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Affinity One Call Report trajectory
Affinity One: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $44.7M (2025Q4) to $45.6M (2026Q1).
- Net-worth ratio shifted -0.12 pp (10.92% → 10.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.80%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 14.2 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 13.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.80% | -4.06 pp |
| Delinquency Rate | 0.79% | -0.35 pp |
| Return on Assets | 0.44% | -0.26 pp |
| Member Growth | -2.62% | - |
| Loan-to-Share Ratio | 64.99% | +5.19 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Affinity One quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.6M | - |
| 2025Q4 | $44.7M | 3,273 |
| 2024Q4 | $44.0M | 3,361 |
| 2023Q4 | $44.5M | 3,735 |
Credit Union Details
- Charter Number
- 5785
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- JAMESTOWN
- Data Quarter
- 2025Q4
Branch Locations (2)
Affinity One operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Affinity One Federal Credit Union (Main Office) | Jamestown, NY |
| Affinity One FCU - Lakewood Branch | Lakewood, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Affinity One
Cross-state asset and health neighbours for Affinity One - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($44.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Affinity One ranks #2,143 of 4,374 nationally on financial health and #121 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BOULEVARD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BOULEVARD
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 One financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - Affinity One's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,143 of 4,374; by total assets it ranks #2,497 of 4,374 nationally (same basis as /rankings/largest); and #136 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.80% net worth ratio and 0.79% delinquency rate are the key drivers.
How does Affinity One compare to other credit unions?
84/100 is Affinity One's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 One?
Affinity One 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 One directly for the exact boundaries and application steps.
Is my money safe at Affinity One?
Federal credit unions like Affinity One 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 One's net worth ratio of 10.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Affinity One offer compared to banks?
Credit unions like Affinity One 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 One 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.