Minot, North Dakota · Peer group 4
Affinity First Credit Union
Affinity First Credit Union holds $71.0M in assets across 2,562 members as of Q1 2026 — about $28K of assets per member, on a charter dating to 1959. Charter number 12980, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $71.0M |
|---|---|
| Total loans | $37.3M |
| Total shares (deposits) | $61.3M |
| Net worth | $9.5M |
| Members | 2,562 |
| Assets per member | $28K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 5.9% | |
|---|---|---|
| Loans | 11.5% | higher than 93% of its peer group |
| Deposits | 6.0% | around the 80th percentile of its peer group |
| Members | -0.4% | around the 64th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 60.8% | around the 51st percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.4% | around the 56th percentile of its peer group |
| Return on assets | 1.09% | around the 70th percentile of its peer group |
| Delinquency ratio | 0.12% | around the 13th percentile of its peer group |
| Cash / assets | 12.2% | around the 63rd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Affinity First Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within North Dakota — the comparison set a peer ratio is measured against.
- Fargo Public Schools Credit Union
Fargo, ND
$57.6M · 2,349 members
- Dakota Plains Credit Union
Edgeley, ND
$94.4M · 4,185 members
- University Credit Union
Grand Forks, ND
$45.2M · 3,626 members
- Lamoure Credit Union
LAMOURE, ND
$40.6M · 1,122 members
- Vue Community Credit Union
BISMARCK, ND
$105.3M · 3,693 members
- Riverfork Credit Union
GRAND FORKS, ND
$31.0M · 2,130 members
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