Side-by-side · Q2 2026 data
First Western Bank & Trust 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 | First Western Bank & Trust | Affinity First Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 88 (stronger) |
| Capital cushion | 46 | 88 (stronger) |
| Loan quality | 53 | 90 (stronger) |
| Earnings | 59 | 73 (stronger) |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 70 | 98 (stronger) |
| Peer percentile | 13th | 85th |
| Total assets | $2.4B | $70.8M |
| Deposits / shares | $2.0B | $60.7M |
| Capital ratio | 9.61% | 13.83% (stronger) |
| Problem loans | 1.42% | 0.30% (stronger) |
| Net charge-offs | 0.23% | -0.06% (stronger) |
| Return on assets | 0.96% | 1.33% (stronger) |
| Loans ÷ deposits | 96.7% | 59.4% (stronger) |
| Uninsured deposits | 6.1% | 2.0% (stronger) |
| Offices | 19 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.4% | — |
Affinity First Federal Credit Union has the higher TellerScore (88 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First Western Bank & Trust leads on 0 and Affinity First Federal Credit Union on 7. 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.