Northern Valley vs Affinity First
Comparing a Credit Union in Grand Forks, ND with a Credit Union in Minot, ND using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Northern Valley ↗ Credit Union · Grand Forks, ND · Est. 1936 | Affinity First ↗ Credit Union · Minot, ND · Est. 1959 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Grand Forks, ND | Minot, ND |
| Total assets | $18.5M | $71.0M |
| Net worth ratio | 14.3% | 13.4% |
| Return on assets | 1.0% | 1.1% |
| Shares & deposits | — | — |
| Members | 1,467 | 2,562 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 29 | #4 of 29 |
| Established | 1936 | 1959 |
Northern Valley
- Assets: $18.5M
- Members: 1,467
- Capital ratio: 14.3%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #1 of 29
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
Are both institutions federally insured?
Yes. Northern Valley is NCUA-insured and Affinity First 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, Northern Valley or Affinity First?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Northern Valley 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 Northern Valley safe?
Yes — Northern Valley 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 Affinity First safe?
Yes — Affinity First 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 Northern Valley vs Affinity First?
Northern Valley has a net worth ratio of 14.3%, placing it in the top 49% of <$100M peers. Affinity First's ratio is 13.4%, placing it in the bottom 44% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Northern Valley have compared to Affinity First?
The CFPB database shows 0 complaints against Northern Valley, and 0 complaints against Affinity First. 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 Northern Valley 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.
