BlastPoint's Credit Union Scorecard
AFFINITY ONE
Charter #5785 · NY
AFFINITY ONE has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 4.82% above tier (higher cost structure)
- - Member decline: -2.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,273
-2.6% YoY-0.5% QoQ
|
+657 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$44.7M
+1.7% YoY+0.4% QoQ
|
+$14.6M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$26.0M
-6.6% YoY-2.1% QoQ
|
+$10.2M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$40.0M
+1.2% YoY-0.6% QoQ
|
+$14.3M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
0.5%
+12.8% YoY+5.9% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
3.9%
+12.7% YoY+2.6% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
87.4%
-3.5% YoY+0.3% QoQ
|
+4.8% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.8%
+271.4% YoY+230.2% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
65.0%
-7.7% YoY-1.5% QoQ
|
+4.4% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$20,162
+0.6% YoY-0.6% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
6.8%
+6.7% YoY-8.9% QoQ
|
-17.7% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)