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Overview / Commentary
811 S Broadway
Minot, ND 58701-4691

Affinity First Credit Union is headquartered in Minot and is the 14st largest credit union in the state of North Dakota. It is also the 2,321st largest credit union in the nation. It was established in 1959 and as of March of 2014, it had grown to 8 employees and 3,277 members. Affinity First Credit Union has a B+ health rating.

Field of Membership Restrictions

The field of membership of this credit union shall be limited to those having the following common bond: 1. Persons who live, work, worship or attend school in and businesses and other legal entities located within Bottineau, McHenry, McLean, Mountrail, Renville or Ward Counties, North Dakota; (11/05/2004) 2. members of record of this credit union as of November 8, 2004, the effective date of its conversion to a community field of membership; 3. employees of this credit union; 4. spouses of persons who died while within the field of membership of this credit union; 5. members of their immediate families or households; and 6. organizations of such persons - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Affinity First Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Affinity First Credit Union had $287,000 in non-current loans and owned real-estate with $5.05 million in equity and loan loss allowances on hand to cover it. This gives Affinity First Credit Union a Texas Ratio of 5.68% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Affinity First Credit Union experienced no significant changes from 5.40% as of March 31, 2013 to 5.68% as of March 31, 2014, resulting in a negative change of 5.08%. This indicates that the balance sheet and financial strength for Affinity First Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Affinity First Credit Union has increased its total deposits by $4.18 million, resulting in 10.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Affinity First Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Affinity First Credit Union has $49.02 million in assets with $5.05 million in equity, resulting in a capitalization level of 10.31%, which is above average.

Institution Statistics

NCUA #12980
Year Chartered1959
Primary Regulator
Assets and Liabilities
Assets$49.02 million
Loans$35.63 million
Deposits$44.20 million
Equity Capital$4.70 million
Loan Loss Allowance$356,000
Unbacked Noncurrent Loans$287,000
Real Estate Owned$0
Historic Data - March 2013
Assets$44.17 million
Equity Capital$4.00 million
Loan Loss Allowance$330,000
Unbacked Noncurrent Loans$287,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.53%
Return on Equity16.01%
Interest Income$503,000
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Affinity First Credit Union Savings Account Rates

0.50%--Christmas Club
0.10%--Vacation Club
0.05%--Primary Share
0.05%--Pee Wee Shares
0.05%--Teen Shares

Affinity First Credit Union Money Market Rates

0.15%--Vintage Club Money Market
0.12%--Money Market

Affinity First Credit Union Locations
Branch Office811 S BroadwayMinot, ND 58701-4691