Affinity Credit Union Des Moines, Iowa
Affinity Credit Union is a state-chartered credit union headquartered in Des Moines, IA, established in 1949 (NCUA charter 62829), and it is regulated and insured by the NCUA. At Q2 2026 it reported 12,393 members and total assets of $154.3M (up 3.0% from Q2 2025), the 24th largest of 65 credit unions headquartered in Iowa. Its net worth ratio was 12.15% at Q2 2026, in the well capitalized band.
Also written as Affinity CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 62829
- Headquarters
- Des Moines, IA
- Established
- 1949
- Total assets, Q2 2026
- $154.3M
- Assets vs Q2 2025
- +3.0%
- Members, Q2 2026
- 12,393
- Net worth ratio, Q2 2026
- 12.15%
- Latest call report
- Q2 2026, NCUA 5300 · Affinity Credit Union call report
- Asset rank in state
- 24th of 65 in Iowa
- Routing number
- 273074504
- Branches
- 2
It has 170 fewer members than on June 30, 2025 (-1.4%). Its net worth ratio was up 0.15 percentage points from 12.00% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $50.7M of $109.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.35% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 12.15% net worth ratio is above that band's 11.43% median.
Frequently asked about Affinity Credit Union
How big is Affinity Credit Union?
At Q2 2026 it reported total assets of $154.3M and 12,393 members.
Where is Affinity Credit Union headquartered?
It is headquartered in Des Moines, IA, United States.
When was Affinity Credit Union founded?
It was established in 1949, per NCUA records.
Is Affinity Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 62829): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Affinity Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Affinity Credit Union well capitalized?
Its net worth ratio was 12.15% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Affinity Credit Union's delinquency ratio?
Its delinquency ratio was 0.35% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Affinity Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 81.88% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Des Moines, IA 50313
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1949
- NCUA Charter #
- 62829
- RSSD ID
- 760694
- Members
- 12,393
- Potential members
- 987,838
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 12.15% | 11.43% | 58th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.24% | 0.81% | 13th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 1.97% | 7.02% | 12th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.64% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 89.70% | 76.55% | 11th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.00% | 1.24% | 68th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.35% | 0.68% | 78th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.64% | 4.92% | 84th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 81.88% | 75.66% | 64th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$154.3M total assets against $149.8M; $133.8M total shares and deposits against $130.3M; $109.5M total loans against $102.6M.
$18.8M net worth against $18.0M.
12.15% net worth ratio against 12.00%.
81.88% loan-to-share ratio against 78.72%.
0.35% delinquency ratio against 0.83%.
0.24% return on assets against 0.70%; 1.97% return on equity against 5.84%.
4.64% net interest margin against 4.22%.
12,393 members against 12,563.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.15% | 0.24% | 0.35% | 81.88% |
| March 31, 2026 | 12.30% | 1.09% | 0.57% | 81.32% |
| December 31, 2025 | 12.24% | 0.78% | 0.71% | 81.98% |
| September 30, 2025 | 12.17% | 0.33% | 0.73% | 81.02% |
| June 30, 2025 | 12.00% | 0.70% | 0.83% | 78.72% |
| March 31, 2025 | 11.62% | 0.10% | 0.82% | 77.40% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.