AFFINITY
Charter #62829 · Des Moines, IA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.09% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.62% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.34% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.66% sits at the 79th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 41st percentile but its structural peers at the 26th — a 15-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $150.91M | 31th pct | 25th pct |
| Members | 12,302 | 46th pct | 44th pct |
| Net worth ratio | 12.30% | 61th pct | 66th pct |
| Return on average assets | 1.09% | 74th pct | 79th pct |
| Net interest margin | 4.62% | 92th pct | 90th pct |
| Cost of funds | 0.34% | 14th pct | 15th pct |
| Loan-to-share | 81.32% | 71th pct | 64th pct |
| Delinquency 60+ days | 0.57% | 47th pct | 46th pct |
| Net charge-off ratio | 0.66% | 76th pct | 79th pct |
| Loan growth YoY | 2.20% | 68th pct | 72th pct |
| Share growth YoY | 1.84% | 26th pct | 28th pct |
| Efficiency ratio | 76.16% | 41th pct | 26th pct |
structural peer set hash: 5db4a91ef9a679b88876061b0b697168… (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.