Affinity Plus Federal Credit Union is a federal credit union headquartered in Saint Paul, Minnesota, in business for about 92 years. At the end of Q2 2026 it reported $5.0B in total assets and $4.3B in member shares and deposits, with 16 offices.
Affinity Plus Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 454 credit unions with $1 billion – $10 billion. Among 80 credit unions headquartered in Minnesota, it ranks 58th. Problem-loan coverage contributes the most (90/100, 5.2%); capital cushion contributes the least (38/100, 8.78%).
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 (59 → 65), mostly because the earnings component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 56 |
| Q4 2024 | 56 |
| Q1 2025 | 57 |
| Q2 2025 | 59 |
| Q3 2025 | 60 |
| Q4 2025 | 61 |
| Q1 2026 | 63 |
| Q2 2026 | 65 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.71% |
| Q3 2024 | 8.81% |
| Q4 2024 | 8.63% |
| Q1 2025 | 8.38% |
| Q2 2025 | 8.62% |
| Q3 2025 | 8.57% |
| Q4 2025 | 8.47% |
| Q1 2026 | 8.45% |
| Q2 2026 | 8.78% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.65% |
| Q4 2024 | 0.73% |
| Q1 2025 | 0.56% |
| Q2 2025 | 0.61% |
| Q3 2025 | 0.62% |
| Q4 2025 | 0.68% |
| Q1 2026 | 0.56% |
| Q2 2026 | 0.57% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.34% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.47% |
| Q1 2025 | 0.38% |
| Q2 2025 | 0.65% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.92% |
| Q1 2026 | 1.05% |
| Q2 2026 | 1.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $5.0B | 8.78% | 0.57% | 1.18% | 88.8% |
| Q1 2026 | 63 | $5.0B | 8.45% | 0.56% | 1.05% | 88.1% |
| Q4 2025 | 61 | $4.9B | 8.47% | 0.68% | 0.92% | 89.4% |
| Q3 2025 | 60 | $4.7B | 8.57% | 0.62% | 0.79% | 90.8% |
| Q2 2025 | 59 | $4.5B | 8.62% | 0.61% | 0.65% | 93.2% |
| Q1 2025 | 57 | $4.5B | 8.38% | 0.56% | 0.38% | 91.6% |
| Q4 2024 | 56 | $4.3B | 8.63% | 0.73% | 0.47% | 97.6% |
| Q3 2024 | 56 | $4.2B | 8.81% | 0.65% | 0.43% | 98.7% |
| Q2 2024 | 55 | $4.2B | 8.71% | 0.63% | 0.34% | 100.9% |
454 peers · $1 billion – $10 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 Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Blaze Credit UnionCredit union Falcon Heights, MN | 61 out of 100, Moderate | $4.8B | 8.8% | 1.02% | vs |
| Trustone Financial Credit UnionCredit union Plymouth, MN | 68 out of 100, Moderate | $6.1B | 11.0% | 0.78% | vs |
| Magnifi Financial Credit UnionCredit union Melrose, MN | 68 out of 100, Moderate | $2.8B | 11.0% | 0.21% | vs |
| Mayo Employees Federal Credit UnionCredit union Rochester, MN | 98 out of 100, Very strong | $1.5B | 14.9% | 0.05% | vs |
| City & County Credit UnionCredit union Saint Paul, MN | 76 out of 100, Strong | $1.2B | 12.1% | 0.32% | vs |
| Members CooperativeCredit union Duluth, MN | 59 out of 100, Moderate | $1.2B | 10.8% | 1.49% | vs |
Deposit insurance
Is my money safe at Affinity Plus Federal Credit Union?
Yes. Affinity Plus Federal Credit Union is a federally insured credit union (NCUA charter #24362). 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 6.5% of shares and deposits ($280.3M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 8.78%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
16 locations
Branches
Affinity Plus Federal Credit Union lists 16 offices in 14 cities. Most locations:
- Moorhead, MN (2)
- Saint Cloud, MN (2)
- Bemidji, MN (1)
- Cambridge, MN (1)
- Duluth, MN (1)
- Faribault, MN (1)
- Fergus Falls, MN (1)
- Hastings, MN (1)
- Mankato, MN (1)
- Minneapolis, MN (1)
- Rochester, MN (1)
- Roseville, MN (1)
Identity & history
Profile
- Legal name
- Affinity Plus Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24362
- RSSD ID
- 131490
- Primary regulator
- NCUA
- Established
- 1934
- Headquarters
- 175 W Lafayette Frontage Rd, Saint Paul, MN 55107
- Employees
- 611
Quick answers
Affinity Plus Federal Credit Union: common questions
Is Affinity Plus Federal Credit Union NCUA insured?
Yes. Affinity Plus Federal Credit Union is a federally insured credit union (NCUA charter #24362). 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 Plus Federal Credit Union's TellerScore?
65 out of 100 (Moderate), 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 Plus Federal Credit Union have?
16 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Saint Paul
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vermillion State BankBank Vermillion, MN | 90 out of 100, Very strong | $931.4M | 13.4% | 0.24% | vs |
| Ziegler Federal Credit UnionCredit union Bloomington, MN | 87 out of 100, Very strong | $4.3M | 26.9% | 1.09% | vs |
| Carpenters Federal Credit UnionCredit union Saint Paul, MN | 86 out of 100, Very strong | $44.3M | 16.0% | 1.01% | vs |
| Think Mutual BankBank Rochester, MN | 86 out of 100, Very strong | $2.2B | 16.3% | 0.25% | vs |
| PrinsBankBank Prinsburg, MN | 85 out of 100, Very strong | $308.3M | 12.0% | 0.29% | vs |
| Toro Employees Federal Credit UnionCredit union Bloomington, MN | 84 out of 100, Strong | $41.5M | 14.5% | 0.56% | vs |