Affinity
Des Moines, IA · Charter 62829 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$154.3MAssets
$109.5MLoans
$133.8MShares
$18.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 82% of credit unions under $1B in assets (rank 298 of 1683).
- Widest gap: efficiency ratio trails 65% of credit unions under $1B in assets (rank 1090 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.65%
Rank 947 of 1,683
Net Interest Margin
4.56%
Rank 298 of 1,683
Efficiency Ratio
83.02%
Rank 1,090 of 1,682
Equity / Assets
12.15%
Rank 967 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.65% | 0.35% | 0.74% | 1.18% | Beats 44% | 947 / 1,683 | |
| Return on Equity | 5.36% | 2.67% | 5.89% | 8.74% | Beats 46% | 914 / 1,681 | |
| Net Interest Margin | 4.56% | 3.31% | 3.82% | 4.32% | Beats 82% | 298 / 1,683 | |
| Efficiency Ratio | 83.02% | 68.91% | 78.20% | 86.93% | Beats 35% | 1,090 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.26% | 0.65% | 1.29% | Beats 69% | 515 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.15% | 10.44% | 12.89% | 16.53% | Beats 43% | 967 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.15% | 10.44% | 12.89% | 16.53% | Beats 43% | 967 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 81.88% | 52.61% | 69.38% | 83.50% | 73rd pctl | 457 / 1,683 | |
| Loans / Assets | 70.99% | 44.71% | 59.18% | 70.72% | 76th pctl | 409 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |