Affinity Plus Federal Credit Union Saint Paul, Minnesota
Affinity Plus Federal Credit Union is a federal credit union headquartered in Saint Paul, MN, established in 1930 (NCUA charter 24362), and it is regulated and insured by the NCUA. At Q2 2026 it reported 303,111 members and total assets of $5.05B (up 12.3% from Q2 2025), the 2nd largest of 79 credit unions headquartered in Minnesota. Its net worth ratio was 8.78% at Q2 2026, in the well capitalized band.
Also written as Affinity Plus FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24362
- Headquarters
- Saint Paul, MN
- Established
- 1930
- Total assets, Q2 2026
- $5.05B
- Assets vs Q2 2025
- +12.3%
- Members, Q2 2026
- 303,111
- Net worth ratio, Q2 2026
- 8.78%
- Latest call report
- Q2 2026, NCUA 5300 · Affinity Plus Federal Credit Union call report
- Asset rank in state
- 2nd of 79 in Minnesota
- Routing number
- 296076301
- Branches
- 36
It has 16,618 more members than on June 30, 2025 (+5.8%). Its net worth ratio was up 0.16 percentage points from 8.62% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.93B of $3.81B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.57% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 8.78% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in Minnesota
Credit unions merged into Affinity Plus Federal Credit Union
City and County Employees Federal Credit Union (2025) · White Earth Reservation Federal Credit Union (2022)
Frequently asked about Affinity Plus Federal Credit Union
How big is Affinity Plus Federal Credit Union?
At Q2 2026 it reported total assets of $5.05B and 303,111 members.
Where is Affinity Plus Federal Credit Union headquartered?
It is headquartered in Saint Paul, MN, United States.
When was Affinity Plus Federal Credit Union founded?
It was established in 1930, per NCUA records.
Is Affinity Plus Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24362): 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 Plus Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Affinity Plus Federal Credit Union well capitalized?
Its net worth ratio was 8.78% 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 Plus Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.57% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Affinity Plus Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 88.82% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Saint Paul, MN 55107
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1930
- NCUA Charter #
- 24362
- RSSD ID
- 131490
- Members
- 303,111
- Potential members
- 5,737,915
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 8.78% | 10.89% | under 10th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.31% | 0.89% | 77th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 14.89% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.57% | 3.45% | 59th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 64.33% | 70.59% | 71st above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.74% | 1.68% | 45th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.57% | 0.68% | 62nd above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.31% | 5.12% | 64th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 88.82% | 88.03% | 53rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.05B total assets against $4.49B; $4.29B total shares and deposits against $3.92B; $3.81B total loans against $3.65B.
$443.2M net worth against $388.0M.
8.78% net worth ratio against 8.62%.
88.82% loan-to-share ratio against 93.22%.
0.57% delinquency ratio against 0.61%.
1.31% return on assets against 0.93%; 14.89% return on equity against 10.73%.
3.57% net interest margin against 3.69%.
303,111 members against 286,493.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.78% | 1.31% | 0.57% | 88.82% |
| March 31, 2026 | 8.45% | 1.05% | 0.56% | 88.14% |
| December 31, 2025 | 8.47% | 1.41% | 0.68% | 89.41% |
| September 30, 2025 | 8.57% | 1.11% | 0.62% | 90.77% |
| June 30, 2025 | 8.62% | 0.93% | 0.61% | 93.22% |
| March 31, 2025 | 8.38% | 0.38% | 0.56% | 91.64% |
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.