AFFINITY PLUS
Charter #24362 · Saint Paul, MN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.45% sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of 1.07% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.56% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Delinquency 60+ days, the asset-size band puts this credit union at the 44th percentile but its structural peers at the 20th — a 24-point gap showing why the peer definition matters.
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 PLUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.05B | 81th pct | 62th pct |
| Members | 298,790 | 84th pct | 67th pct |
| Net worth ratio | 8.45% | 6th pct | 8th pct |
| Return on average assets | 1.07% | 77th pct | 75th pct |
| Net interest margin | 3.46% | 57th pct | 33th pct |
| Cost of funds | 2.02% | 62th pct | 54th pct |
| Loan-to-share | 88.14% | 55th pct | 51th pct |
| Delinquency 60+ days | 0.56% | 44th pct | 20th pct |
| Net charge-off ratio | 0.58% | 56th pct | 33th pct |
| Loan growth YoY | 4.16% | 75th pct | 80th pct |
| Share growth YoY | 7.27% | 83th pct | 84th pct |
| Efficiency ratio | 68.24% | 34th pct | 41th pct |
structural peer set hash: 66967b4143933227084130fe7b1f59b8… (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.