Side-by-side · Q2 2026 data
Peoples State Bank of Velva 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 | Peoples State Bank of Velva | Affinity First Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 88 (stronger) |
| Capital cushion | 43 | 88 (stronger) |
| Loan quality | 97 (stronger) | 90 |
| Earnings | 83 (stronger) | 73 |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 53rd | 85th |
| Total assets | $210.0M | $70.8M |
| Deposits / shares | $184.4M | $60.7M |
| Capital ratio | 9.31% | 13.83% (stronger) |
| Problem loans | 0.10% (stronger) | 0.30% |
| Net charge-offs | 0.01% | -0.06% (stronger) |
| Return on assets | 1.58% (stronger) | 1.33% |
| Loans ÷ deposits | 81.8% | 59.4% (stronger) |
| Uninsured deposits | 27.2% | 2.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Affinity First Federal Credit Union has the higher TellerScore (88 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank of Velva leads on 2 and Affinity First Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.