Affinity First vs Aspire Community
Comparing a Credit Union in Minot, ND with a Credit Union in Minot, ND using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Affinity First ↗ Credit Union · Minot, ND · Est. 1959 | Aspire Community ↗ Credit Union · Minot, ND · Est. 1937 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Minot, ND | Minot, ND |
| Total assets | $71.0M | $180.9M |
| Net worth ratio | 13.4% | 15.2% |
| Return on assets | 1.1% | 1.4% |
| Shares & deposits | — | — |
| Members | 2,562 | 6,301 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 29 | #2 of 29 |
| Established | 1959 | 1937 |
Affinity First
- Assets: $71.0M
- Members: 2,562
- Capital ratio: 13.4%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #4 of 29
Aspire Community
- Assets: $180.9M
- Members: 6,301
- Capital ratio: 15.2%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #2 of 29
Are both institutions federally insured?
Yes. Affinity First is NCUA-insured and Aspire Community is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Affinity First or Aspire Community?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Affinity First scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Affinity First safe?
Yes — Affinity First is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Aspire Community safe?
Yes — Aspire Community is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Affinity First vs Aspire Community?
Affinity First has a net worth ratio of 13.4%, placing it in the bottom 44% of <$100M peers. Aspire Community's ratio is 15.2%, placing it in the top 12% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Affinity First have compared to Aspire Community?
The CFPB database shows 0 complaints against Affinity First, and 0 complaints against Aspire Community. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Affinity First with other Credit Unions in North Dakota
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
