TellerScore

Headquartered in Jamestown, New York, Affinity One Federal Credit Union is a federal credit union with $45.7M in total assets and $41.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1948.

Affinity One Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 44% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 126th. Problem-loan coverage contributes the most (99/100, 0.6%); earnings contributes the least (30/100, 0.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.81%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.12%
Earnings30/100
Return on assets (annualized): 0.25%
Funding & liquidity98/100
Loans ÷ shares: 62.2% · 0.6% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.64%

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 2 points (70 → 72), mostly because the capital cushion component improved by 5 points.

TellerScore
687174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202471
Q4 202471
Q1 202569
Q2 202570
Q3 202572
Q4 202568
Q1 202674
Q2 202672
Net worth ratio
7.00%8.96%10.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.11%
Q3 202410.35%
Q4 202410.59%
Q1 202510.42%
Q2 202510.34%
Q3 202510.82%
Q4 202510.92%
Q1 202610.80%
Q2 202610.81%
Delinquent loans (60+ days)
0.10%0.45%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.22%
Q3 20240.10%
Q4 20240.21%
Q1 20250.17%
Q2 20250.22%
Q3 20250.24%
Q4 20250.79%
Q1 20260.10%
Q2 20260.12%
Return on assets
0.22%0.36%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.46%
Q4 20240.45%
Q1 20250.22%
Q2 20250.31%
Q3 20250.48%
Q4 20250.50%
Q1 20260.43%
Q2 20260.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$45.7M10.81%0.12%0.25%62.2%
Q1 202674$45.6M10.80%0.10%0.43%61.5%
Q4 202568$44.7M10.92%0.79%0.50%65.0%
Q3 202572$44.5M10.82%0.24%0.48%66.0%
Q2 202570$45.7M10.34%0.22%0.31%65.2%
Q1 202569$44.9M10.42%0.17%0.22%66.9%
Q4 202471$44.0M10.59%0.21%0.45%70.4%
Q3 202471$44.6M10.35%0.10%0.46%69.6%
Q2 202470$45.1M10.11%0.22%0.43%67.6%

2,479 peers · Under $100 million in assets

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).

Capital ratio10.81%
22nd
Problem loans0.12%
78th
Net charge-offs0.06%
61st
Return on assets0.25%
29th
Loans to deposits62.2%
45th
Uninsured deposits0.6%
57th
Loan-loss reserves0.00%
37th
Texas ratio0.6%
72nd

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Sweet Home Federal Credit UnionCredit union Amherst, NY79 out of 100, Strong$45.4M13.3%1.44%vs
Boulevard Federal Credit UnionCredit union Amherst, NY82 out of 100, Strong$45.2M14.1%0.74%vs
Rochester & Monroe Co Emp Federal Credit UnionCredit union Rochester, NY64 out of 100, Moderate$46.4M10.9%1.20%vs
Syracuse CooperativeCredit union Syracuse, NY61 out of 100, Moderate$47.2M14.4%5.24%vs
Stewart'S Federal Credit UnionCredit union Saratoga Spring, NY61 out of 100, Moderate$47.3M8.9%0.81%vs
Amherst Federal Credit UnionCredit union Amherst, NY69 out of 100, Moderate$44.0M10.3%1.17%vs

Deposit insurance

Is my money safe at Affinity One Federal Credit Union?

Yes. Affinity One Federal Credit Union is a federally insured credit union (NCUA charter #5785). 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 0.6% of shares and deposits ($268K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.81%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Affinity One Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Affinity One Federal Credit Union
Type
Federal credit union
NCUA charter #
5785
RSSD ID
575870
Primary regulator
NCUA
Established
1948
Headquarters
545 East Second St, Jamestown, NY 14701
Employees
14

Quick answers

Affinity One Federal Credit Union: common questions

Is Affinity One Federal Credit Union NCUA insured?

Yes. Affinity One Federal Credit Union is a federally insured credit union (NCUA charter #5785). 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 One Federal Credit Union's TellerScore?

72 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 One Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Jamestown

InstitutionScoreAssetsCapitalProblem loansCompare
Mountain Laurel Federal Credit UnionCredit union Saint Marys, PA99 out of 100, Very strong$174.2M19.7%0.08%vs
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Lake Shore BankBank Dunkirk, NY86 out of 100, Very strong$735.9M17.4%0.25%vs
Jamestown Area Community Federal Credit UnionCredit union Jamestown, NY84 out of 100, Strong$85.5M11.0%0.02%vs
N.F.G. #2 Federal Credit UnionCredit union Warren, PA80 out of 100, Strong$24.2M15.7%1.28%vs
Southern Chautauqua Federal Credit UnionCredit union Lakewood, NY78 out of 100, Strong$163.1M17.6%1.61%vs