Affinity Plus Federal Credit Union
Major Rating Factors:
A current level of 5.3 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Excellent asset quality (7.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.2 and a net worth ratio of 8.5. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.1 has resulted in Weak (2.4) profitability.
Asset Mix:
Consumer loans (34%), home mtgs (31%), other (34%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
175 West Lafayette Frontage Road
Saint Paul, MN 55107
Saint Paul, MN 55107
Phone Number
(651) 312-9252
NCUA Charter Number
Website
Largest Competitors
Saint Paul, MN
Saint Paul, MN
Saint Paul, MN
Saint Paul, MN
Saint Paul, MN