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
- NW 93/100
- DELQ 8.5%
- ROA 0.68%
- ASSETS 0.42%
- MEM $4.88B
- RANK 294,655
- PHOTO #709/4,374
- BOOK NUSENDA
- CHARTER 24362
Call Report peers
Affinity Plus in the assets neighbourhood
Affinity Plus's $4.88B assets sit next to NUSENDA ($4.89B) 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 Plus 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
93 Top 16% higher than 84% 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 Plus - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24362: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Affinity Plus
Affinity Plus: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $4.88B (2025Q4) to $5.05B (2026Q1).
- Net-worth ratio shifted -0.02 pp (8.47% → 8.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Affinity Plus - kept outside Minnesota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.88B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota 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 Plus financially healthy?
A 8.45% net worth ratio and a 0.68% delinquency rate feed into Affinity Plus's financial health score of 93/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #709 of 4,374; by total assets it ranks #92 of 4,374 nationally (same basis as /rankings/largest); and #3 of 82 within Minnesota. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Affinity Plus compare to other credit unions?
On PlainCU's health composite, Affinity Plus lands at 93/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Affinity Plus 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 Plus's net worth ratio of 8.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Affinity Plus offer compared to banks?
Credit unions like Affinity Plus 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 Plus 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.