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.
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NCUA 5300 Call Report Masthead
#2,143 of 4,374 health · 2025Q4Affinity One · health 84/100 · $44.7M · 2025Q4
Call Report peers
Affinity One in the assets neighbourhood
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Affinity One vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Affinity One sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in New York, Greater Chautauqua (#120) ties at 84/100; one place down, Niagara's Choice (#122) ties at 84/100.
Affinity One Call Report trajectory
Affinity One: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $44.7M (2025Q4) to $45.6M (2026Q1).
- Net-worth ratio shifted -0.12 pp (10.92% → 10.80%).
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
Affinity One gives up 16 points in total. Member Growth costs the most, 10.7 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Affinity One financially healthy?
Affinity One has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,143 of 4,374 nationally on health and #121 of 272 in New York. Its net worth ratio is 10.80% and its delinquency rate 0.79%.
How does Affinity One compare to other credit unions?
Affinity One scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (64.99% vs 59.80%). Its widest shortfall is net worth ratio (10.80% vs 14.86%).
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?
Affinity One 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 One's net worth ratio of 10.80% 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.