Affinity Plus
Saint Paul, MN · Charter 24362 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 35 branches
Q2 2026
$5.0BAssets
$3.8BLoans
$4.3BShares
$443.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 96% of credit unions $1B-$10B in assets (rank 18 of 435).
- Widest gap: equity / assets trails 92% of credit unions $1B-$10B in assets (rank 399 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.18%
Rank 92 of 435
Net Interest Margin
3.48%
Rank 183 of 435
Efficiency Ratio
66.17%
Rank 120 of 435
Equity / Assets
8.78%
Rank 399 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 0.55% | 0.81% | 1.14% | Beats 79% | 92 / 435 | |
| Return on Equity | 13.44% | 5.12% | 7.41% | 9.70% | Beats 96% | 18 / 435 | |
| Net Interest Margin | 3.48% | 3.01% | 3.39% | 3.75% | Beats 58% | 183 / 435 | |
| Efficiency Ratio | 66.17% | 65.25% | 71.39% | 77.86% | Beats 73% | 120 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.57% | 0.45% | 0.69% | 1.05% | Beats 63% | 161 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.78% | 9.81% | 10.84% | 12.63% | Beats 8% | 399 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.78% | 9.81% | 10.84% | 12.63% | Beats 8% | 399 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 88.82% | 78.33% | 88.38% | 95.61% | 52nd pctl | 210 / 435 | |
| Loans / Assets | 75.48% | 67.69% | 74.58% | 80.80% | 54th pctl | 201 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |