Federal credit union · Saint Paul, Minnesota · NCUA charter #24362
Affinity Plus
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $4.88B
- Total assets
- 294,655
- Members
- 8.5%
- Net-worth ratio
Affinity Plus scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.88B; members 294,655; net-worth ratio 8.45%; health rank #709 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#709 of 4,374 health · 2025Q4Affinity Plus · health 93/100 · $4.88B · 2025Q4
Call Report peers
Affinity Plus in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Affinity Plus vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Affinity Plus sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Affinity Plus vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +5.51 pp (89.41% vs 83.90%).
- Net Worth Ratio trails the peer set - 8.45% here, 11.18% peer average (-2.73 pp).
Affinity Plus: in-state Call Report ranks
- In Minnesota, health place is #20 of 82 on the same NCUA-ratio sort used nationally.
- By total assets, Affinity Plus is #3 of 82 in Minnesota.
- Minnesota membership ordinal: #2 of 82.
- One place up in Minnesota, Trustone Financial (#19) ties at 93/100; one place down, Associated Healthcare (#21) scores 92/100, 1 point lower.
Quarter path for Affinity Plus
Affinity Plus: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $4.88B (2025Q4) to $5.05B (2026Q1).
- Net-worth ratio shifted -0.02 pp (8.47% → 8.45%).
This credit union's 8.45% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Affinity Plus gives up 7 points in total. Net Worth Ratio costs the most, 3.9 of its 30; Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 26.1 pts
- Delinquency Rate 23.2 pts
- Return on Assets 13.8 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for Affinity Plus
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.45% | -2.73 pp |
| Delinquency Rate | 0.68% | -0.19 pp |
| Return on Assets | 0.42% | -0.09 pp |
| Member Growth | 5.96% | - |
| Loan-to-Share Ratio | 89.41% | +5.51 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.05B | - |
| 2025Q4 | $4.88B | 294,655 |
| 2024Q4 | $4.32B | 278,081 |
| 2023Q4 | $4.18B | 263,965 |
Credit Union Details
- Charter Number
- 24362
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Minnesota
- City
- Saint Paul
- Data Quarter
- 2025Q4
Branch Locations (35)
The NCUA branch filing lists 35 physical offices for Affinity Plus, spread across 30 cities.
| Office | City |
|---|---|
| Saint Paul - Lafayette (Main Office) | Saint Paul, MN |
| Albert Lea | Albert Lea, MN |
| Alexandria | Alexandria, MN |
| Brainerd Lakes | BAXTER, MN |
| Bemidji - BSU Campus | Bemidji, MN |
| Bemidji - Hannah Ave | Bemidji, MN |
| Cambridge | Cambridge, MN |
| Coon Rapids | Coon Rapids, MN |
| Duluth | Duluth, MN |
| DULUTH - LAKE SUPERIOR COLLEGE | DULUTH, MN |
| Eagan Branch | Eagan, MN |
| Faribault | Faribault, MN |
| Fergus Falls | Fergus Falls, MN |
| Grand Rapids Community | Grand Rapids, MN |
| Hastings | Hastings, MN |
| Hopkins | Hopkins, MN |
| Lake Elmo | Lake Elmo, MN |
| Lakeville | Lakeville, MN |
| MAHNOMEN BRANCH | MAHNOMEN, MN |
| Mankato Campus | Mankato, MN |
| Mankato Community | MANKATO, MN |
| Minneapolis - University | Minneapolis, MN |
| Moorhead | Moorhead, MN |
| Moorhead Campus | Moorhead, MN |
| New Hope | New Hope, MN |
| Richfield | Richfield, MN |
| Rochester | Rochester, MN |
| Roseville | Roseville, MN |
| St. Cloud - Heritage Market | Saint Cloud, MN |
| Saint Cloud Campus | Saint Cloud, MN |
| Saint Paul - Midway | Saint Paul, MN |
| Shakopee | Shakopee, MN |
| Virginia | Virginia, MN |
| Winona | Winona, MN |
| Winona State Campus | Winona, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- Affinity Plus ranks #709 of 4,374 nationally on financial health and #20 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BLAZE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BLAZE
Frequently Asked Questions
Is Affinity Plus financially healthy?
Affinity Plus has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #709 of 4,374 nationally on health and #20 of 82 in Minnesota. Its net worth ratio is 8.45% and its delinquency rate 0.68%.
How does Affinity Plus compare to other credit unions?
Affinity Plus scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (89.41% vs 83.90%). Its widest shortfall is net worth ratio (8.45% vs 11.18%).
How can I join Affinity Plus?
Affinity Plus serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Affinity Plus directly for the current list of qualifying groups.
Is my money safe at Affinity Plus?
Affinity Plus 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 Plus's net worth ratio of 8.45% 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.