# AFFINITY
Des Moines, IA · NCUA charter 62829 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/affinity-62829

Who the members are: state charter, organized 1949, low-income designated. 12,302 members of 987,838 potential (1.3% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $150.9M |
| Members | 12,302 (-0.7% YoY) |
| Full-time staff | 41 |
| Net worth | $18.6M |
| Net worth ratio | 12.3% (p58 of band) |
| ROA (annualized) | 1.09% (p73 of band) |
| Total delinquency | 0.57% (p47 of band) |
| Net charge-offs (annualized) | 0.66% (p77 of band) |
| Loans / shares | 81% (p74 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.59% (p89 of band) |
| Operating expense / assets | 4.93% (p86 of band) |
| Vehicles % of loans | 31% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 11% |
| Third-party paper % of net worth | 28% (p49 of band) |
| Vehicle delinquency | 1.04% (p73 of band) |
| Vehicle NCO | 0.63% (p57 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 62% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 20% |
| Average share balance | $5,203 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $14.6M |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $16,946 |
| Loans granted, annualized | $29.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $14.6M outstanding purchased (78.5% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares -2.0% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  | thin capital |
| 2016-09 | 2 | loans>95% of shares |  |
| 2016-12 | 1 |  | loans>95% of shares |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 | loans>95% of shares | delinquency rising |
| 2017-09 | 2 | delinquency rising | loans>95% of shares |
| 2017-12 | 2 | loans>95% of shares | delinquency rising |
| 2018-03 | 4 | losing money, expense trap, charge-offs p90 | loans>95% of shares |
| 2018-06 | 4 | loans>95% of shares | losing money |
| 2018-09 | 5 | members leaving |  |
| 2018-12 | 5 | net worth falling | members leaving |
| 2019-03 | 4 | thin capital | expense trap, loans>95% of shares |
| 2019-06 | 4 | margin squeeze | net worth falling |
| 2019-09 | 4 | loan book shrinking | thin capital |
| 2019-12 | 2 |  | margin squeeze, loan book shrinking |
| 2020-03 | 3 | members leaving |  |
| 2020-06 | 4 | thin capital |  |
| 2020-09 | 4 | expense trap | thin capital |
| 2020-12 | 3 |  | members leaving |
| 2021-03 | 4 | net worth falling, margin squeeze | expense trap |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 4 | expense trap, margin squeeze |  |
| 2021-12 | 3 |  | margin squeeze |
| 2022-03 | 3 | delinquency rising | charge-offs p90 |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | expense trap |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | 3rd-party paper>100% NW |
| 2023-12 | 1 | expense trap |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 | delinquency rising | expense trap |
| 2024-09 | 2 | expense trap |  |
| 2024-12 | 0 |  | delinquency rising, expense trap |
| 2025-03 | 4 | net worth falling, expense trap, delinquency rising, members leaving |  |
| 2025-06 | 2 |  | net worth falling, delinquency rising |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 0 |  | expense trap, members leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-19 [Des Moines police charge two men in separate May bank robberies - KCCI](https://news.google.com/rss/articles/CBMieEFVX3lxTFAzeXJHTHJUbGVTaTMtSkhDWkU5Nk5yd2xHLTJnYmZyMXpVLWsxMmF3MGJTaEUwcFc5S25fb24zNlJ1MlJ4OGxpSVlaeVkxNks4d19PZm5Xc0tMZlAyRGwtYk5wVElPQXhYaXk1MG8wTmpXM0hWZGtvMA?oc=5) · KCCI
- 2026-05-19 [Arrests made in separate Des Moines bank robberies - WHO13.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxObE9vUTBXaGhQcy13ckwyWDVBOU10bDlaYVQ5UDBiUGVZYnRzLTVmcUpPdzdfWTRuT0I1SnJNWFQ0QzlYMHlvRFBGRnpXd2dJY1V0azM3UkhyRllCM1FLSDVrMVNKOWxzcnZpU3BNUjgteE1GNXdhSWRFamZWRmlUR1htelpGTFl0TmVUQjBR0gGTAUFVX3lxTFB0OTVhZW9WLUJRUmhkQU9HV0czVURPNko3dk1rS0dhdU8xaWs2YThqNDNJNVBxejI4YnJjemczRlkzVWZmWktnQ2hNLW1oV2ZiOTMxR29GOUJnUHVkTjJPVnlBdU41eVJoVzRZVzdFd3poWFhvYWdvN0ltaUZHSmJBZkF1YzRkcWVrcDBWUDNYWU8yaw?oc=5) · WHO13.com
- 2023-06-20 [Forbes 2026 America's Best Credit Unions In Each State List - Forbes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9vRWJOaE5OZ1NrY3RJeUZnWS1yRXkwMUYzYllJMTN3VEQxTWtwNHJGdC1FejkwVF9UT045OWFhQ0NSWmtzTHBJeXZFSFdydTNuc2VyT3BjUGRLcmlWLWhaVHNJUVZMRHNt?oc=5) · Forbes
- 2025-08-18 [IOWA WILD ANNOUNCES 2025-26 PROMOTIONAL SCHEDULE - Iowa Wild](https://news.google.com/rss/articles/CBMijgFBVV95cUxNMXY0bHhXRkEySFdjUEh5SkJpOV8yVzg3a05ROUVPdTBQdU1HMExHbkduNXFiQkdkcUNJNkkzbFlabV82T1VkTVg2OVdhc3kwT2h4ak9fbUlNbTFTdFN6TlU0aGk2dTAzT0JSbzBoSnJwSTRlTmJpWE5Na0dKRUMzcWlXRUZ5aWpFYU1DYW13?oc=5) · Iowa Wild
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Minnesota - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxOUzh0Z3pCcmdqcXR3Vi0xQ0IzV0VKUGE3ZHpzRWVTcGpKSjFNMk5BZ2c0SnRCa1ZYRVlzd0dfX3ZlWVpDaDVhNXdGSXpERG0tZzN6VzRTRkp1ek50ZFJCei1sWHhSNXoxSlg0di1CMkpLUzliel9KS1dLWXMwOVdnaXpFcHJMUm9ydmxuMFpISDg?oc=5) · Newsweek Rankings
- 2023-08-07 [Marjorie E. Ramsey - hamiltonsfuneralhome.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9LM3hWMjFOQzZzNkdDUTZFMTBCd2xyRmFlSHJpRXZsTXdTLVdmVmttMUdWbTdJcHo1UG1panFqbUVrNTdJeUMxUFlfYUVTbFFhSVBOZjZGdW1GRkpMYjFoMVFLTQ?oc=5) · hamiltonsfuneralhome.com
- 2021-05-26 [WILD DONATE 20,000 MEALS TO “TAME THE HUNGER” IN DES MOINES PUBLIC SCHOOLS - Iowa Wild](https://news.google.com/rss/articles/CBMirAFBVV95cUxNQWtEZi1nX1dSV3NpUmxQTG15Ym5XOE14djlEVVNjVTU2RzN4TURxTDNCSXhscXRrSGNkQWdJdF96R2F3RmxEU19vdzI3aHRpakljaUNlS19EYlUwUnlTdWxMSjFOM05YaDRIeklWOHlhMVVQcXRTUlpHMmp0MXhoQjdDWGY2TlRpSFhhUlotTHJUcXR5bmZESDNoclNTRlFFQTlyandlNDNqem03?oc=5) · Iowa Wild
- 2017-01-30 [Rhonda Casey Obituary - West Des Moines, IA - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxQZE5wajJuQ3lNQ2wwU0FtUmRpU0FraGtxc2VsS0ZBLXprRndWY2RoanhkWHJ4bW5fRkZ1WWJUcVdfSTBKVVZrWmhaX3JPanRRb1pzaDNlTUt6SWVDSjkzZXhrWngycjBwcHkxYTRrYk5RZTA2YzR6QklRNXZYZXVoaWxSUzRZOVd3clE?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62829 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/45.json (key "62829", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=62829
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide