Affinity Plus Credit Union

Affinity Plus Credit Union is headquartered in Saint Paul and is the 2^nd largest credit union in the state of Minnesota. It is also the 106^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 406 employees and 138,846 members. Affinity Plus Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics AFFINITY PLUS NCUA # 24362 BankRate Report View Year Chartered 1934 Employees 406 Primary Regulator Assets and Liabilities Assets $1.46 billion Loans $1.34 billion Deposits $1.31 billion Equity Capital $110.83 million Loan Loss Allowance $12.89 million Unbacked Noncurrent Loans $15.81 million Real Estate Owned $2.80 million Historic Data - December 2010 Assets $1.30 billion Equity Capital $99.11 million Loan Loss Allowance $17.02 million Unbacked Noncurrent Loans $16.51 million Real Estate Owned $4.51 million Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 0.8% Return on Equity 10.57% Interest Income $66.28 million Non-Interest Income $24.68 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Affinity Plus Credit Union had $18.61 million in non-current loans and owned real-estate with $123.72 million in equity and loan loss allowances on hand to cover it. This gives Affinity Plus Credit Union a Texas Ratio of 15.04% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Affinity Plus Credit Union decreased slightly from 18.10% as of December 31, 2010 to 15.04% as of December 31, 2011, resulting in a positive change of 16.91%.This indicates that the balance sheet and financial strength for Affinity Plus Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Affinity Plus Credit Union has increased its total deposits by $152.98 million, resulting in 13.17% 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 Plus Credit Union has shown is excellent. Capitalization 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 Plus Credit Union has $1.46 billion in assets with $123.72 million in equity, resulting in a capitalization level of 8.48%, which is average.

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