AFFINITY FIRST
Charter #12980 · Minot, ND · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,562 sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 3.10% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.75% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.12% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | AFFINITY FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $71.03M | 49th pct | 39th pct |
| Members | 2,562 | 5th pct | 8th pct |
| Net worth ratio | 13.39% | 56th pct | 66th pct |
| Return on average assets | 1.10% | 70th pct | 72th pct |
| Net interest margin | 3.10% | 21th pct | 21th pct |
| Cost of funds | 1.75% | 88th pct | 87th pct |
| Loan-to-share | 60.84% | 51th pct | 49th pct |
| Delinquency 60+ days | 0.12% | 13th pct | 23th pct |
| Net charge-off ratio | -0.01% | 11th pct | 23th pct |
| Loan growth YoY | 3.31% | 86th pct | 80th pct |
| Share growth YoY | 6.93% | 87th pct | 87th pct |
| Efficiency ratio | 65.72% | 19th pct | 10th pct |
structural peer set hash: 9a8295088013deea6459fe678f638da4… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.