The net worth ratio for the $1.6 billion Affinity Plus in St. Paul, Minn., was 7.93% as of June 2013, according to the credit union's latest NCUA financial performance report. The average ratio for Affinity Plus' peer group was 10.44%.

Looking further back, Affinity Plus' net worth ratio was 7.61% in June 2012, 7.70% last September and 7.93% in December. In March 2013, the ratio dropped to 7.84% and was lower than its peer group average of 10.25%.

Affinity Plus' return on average assets was 0.57% in June 2013, according to its NCUA financial report. The average ROAA for its peer group was 0.88% during that time period. In March 2013, Affinity Plus's ROAA was 0.70% compared to its peer group average of 0.87%.

In 2012, Affinity Plus' ROAA was 1.45% in June 2012 but dropped to 1.28% last September and again in December to 1.23%.

The credit union has managed to keep control over delinquent loans and charge-offs. While Affinity Plus had $15.6 million in delinquent loans in June 2012 and $14.9 million in September 2012, it experienced an increase in delinquencies in December 2012 at $17.6 million. Still, Affinity Plus was able to regain control in March 2013 when delinquent loans dropped to $12.4 million and to $13.4 million in June 2013.

Loan charge-offs were $9.4 million in June 2013, which was down from $17.7 million in December 2012.

Affinity Plus' net income/loss figures have been all over the map. In June 2013, it was $4.6 million, up from $2.8 million in March. In December 2012, the credit union's net income/loss was significantly higher at $17.5 million and again, in double digits at $13.5 million last September and $11 million in June 2012.

Chartered in 1930 as State Capitol Credit Union to serve those working in St. Paul, the cooperative changed its name to Affinity Plus Federal Credit Union in 1998 to better reflect its broader service area, according to its website. It now has 25 branches throughout Minnesota and serves more than 167,000 members.