Affinity Credit Union is a federally insured state-chartered credit union headquartered in Des Moines, Iowa, in business for about 77 years. At the end of Q2 2026 it reported $154.3M in total assets and $133.8M in member shares and deposits, with 2 offices.
Affinity Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 1,341 credit unions with $100 million – $1 billion. Among 66 credit unions headquartered in Iowa, it ranks 37th. Problem-loan coverage contributes the most (96/100, 2.0%); earnings contributes the least (46/100, 0.65%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (68 → 74), mostly because the loan quality component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 72 |
| Q4 2024 | 70 |
| Q1 2025 | 64 |
| Q2 2025 | 68 |
| Q3 2025 | 69 |
| Q4 2025 | 69 |
| Q1 2026 | 76 |
| Q2 2026 | 74 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.72% |
| Q3 2024 | 12.19% |
| Q4 2024 | 11.90% |
| Q1 2025 | 11.62% |
| Q2 2025 | 12.00% |
| Q3 2025 | 12.17% |
| Q4 2025 | 12.24% |
| Q1 2026 | 12.30% |
| Q2 2026 | 12.15% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 0.96% |
| Q4 2024 | 0.94% |
| Q1 2025 | 0.82% |
| Q2 2025 | 0.83% |
| Q3 2025 | 0.73% |
| Q4 2025 | 0.71% |
| Q1 2026 | 0.57% |
| Q2 2026 | 0.35% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.20% |
| Q3 2024 | 1.07% |
| Q4 2024 | 0.85% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.38% |
| Q4 2025 | 0.48% |
| Q1 2026 | 1.09% |
| Q2 2026 | 0.65% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $154.3M | 12.15% | 0.35% | 0.65% | 81.9% |
| Q1 2026 | 76 | $150.9M | 12.30% | 0.57% | 1.09% | 81.3% |
| Q4 2025 | 69 | $149.1M | 12.24% | 0.71% | 0.48% | 82.0% |
| Q3 2025 | 69 | $148.8M | 12.17% | 0.73% | 0.38% | 81.0% |
| Q2 2025 | 68 | $149.8M | 12.00% | 0.83% | 0.40% | 78.7% |
| Q1 2025 | 64 | $152.6M | 11.62% | 0.82% | 0.10% | 77.4% |
| Q4 2024 | 70 | $148.6M | 11.90% | 0.94% | 0.85% | 79.6% |
| Q3 2024 | 72 | $145.6M | 12.19% | 0.96% | 1.07% | 81.5% |
| Q2 2024 | 73 | $149.2M | 11.72% | 0.86% | 1.20% | 79.1% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| North Star Community Credit UnionCredit union Cherokee, IA | 58 out of 100, Moderate | $149.4M | 9.8% | 0.54% | vs |
| Telco Triad Community Credit UnionCredit union Sioux City, IA | 74 out of 100, Strong | $160.5M | 12.2% | 0.45% | vs |
| Cent Credit UnionCredit union Mason City, IA | 77 out of 100, Strong | $166.0M | 12.7% | 0.20% | vs |
| 1st Gateway Credit UnionCredit union Camanche, IA | 80 out of 100, Strong | $170.9M | 14.1% | 0.35% | vs |
| First Federal Credit UnionCredit union Hiawatha, IA | 43 out of 100, Below average | $174.5M | 7.3% | 0.88% | vs |
| North Iowa Community Credit UnionCredit union Mason City, IA | 60 out of 100, Moderate | $127.8M | 9.8% | 1.00% | vs |
Deposit insurance
Is my money safe at Affinity Credit Union?
Yes. Affinity Credit Union is a federally insured credit union (NCUA charter #62829). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 7.2% of shares and deposits ($9.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 12.15%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Affinity Credit Union lists 2 offices in 1 city. Most locations:
- Des Moines, IA (2)
HMDA 2025
Mortgage lending
In 2025, Affinity Credit Union reported 62 home-loan applications under HMDA (LEI 549300Q0QG1CZF1H4O06): 39 originated ($2,725,000 total), 10 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Affinity Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62829
- RSSD ID
- 760694
- Primary regulator
- State + NCUA
- Established
- 1949
- Headquarters
- 475 NW Hoffman Ln, Des Moines, IA 50313
- Employees
- 40
Quick answers
Affinity Credit Union: common questions
Is Affinity Credit Union NCUA insured?
Yes. Affinity Credit Union is a federally insured credit union (NCUA charter #62829). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Affinity Credit Union's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Affinity Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Des Moines
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| ITS BankBank Johnston, IA | 98 out of 100, Very strong | $45.2M | 97.5% | 0.00% | vs |
| Lamoure Credit UnionCredit union Lamoure, ND | 98 out of 100, Very strong | $38.8M | 18.9% | 0.00% | vs |
| Iowa State BankBank Des Moines, IA | 95 out of 100, Very strong | $480.5M | 15.9% | 0.00% | vs |
| Journey Credit UnionCredit union Des Moines, IA | 85 out of 100, Very strong | $97.6M | 16.9% | 1.11% | vs |
| Serve Credit UnionCredit union Des Moines, IA | 84 out of 100, Strong | $101.3M | 18.1% | 0.81% | vs |
| Charter BankBank Johnston, IA | 83 out of 100, Strong | $227.5M | 11.0% | 0.00% | vs |