Side-by-side · Q2 2026 data
Bravera Bank vs Affinity First Federal Credit Union
Credit union
Affinity First Federal Credit Union
Minot, North Dakota · Under $100 million in assets
Metric by metric
| Measure | Bravera Bank | Affinity First Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 88 (stronger) |
| Capital cushion | 47 | 88 (stronger) |
| Loan quality | 70 | 90 (stronger) |
| Earnings | 75 (stronger) | 73 |
| Funding & liquidity | 75 | 100 (stronger) |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 44th | 85th |
| Total assets | $3.8B | $70.8M |
| Deposits / shares | $3.3B | $60.7M |
| Capital ratio | 9.73% | 13.83% (stronger) |
| Problem loans | 0.90% | 0.30% (stronger) |
| Net charge-offs | -0.04% | -0.06% (stronger) |
| Return on assets | 1.37% (stronger) | 1.33% |
| Loans ÷ deposits | 82.2% | 59.4% (stronger) |
| Uninsured deposits | 17.6% | 2.0% (stronger) |
| Offices | 35 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.2% | — |
Affinity First Federal Credit Union has the higher TellerScore (88 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Bravera Bank leads on 1 and Affinity First Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.