BlastPoint's Credit Union Scorecard
AFFINITY FIRST
Charter #12980 · ND
AFFINITY FIRST demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.94% above tier average
- + Average Member Relationship (AMR): Top 1.4% in tier
- + Loan-to-Member Ratio (LMR): Top 2.1% in tier
- + Fee Income Per Member: Top 8.1% in tier
- + Loan Growth Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,562
-0.4% YoY-0.4% QoQ
|
-114 |
2,676
+1.6% YoY
|
7,403
+0.4% YoY
|
33,913
+5.7% YoY
|
61% |
| Assets |
$71.0M
+5.9% YoY+1.6% QoQ
|
+$40.8M |
$30.2M
+1.3% YoY
|
$208.9M
+6.8% YoY
|
$578.3M
+9.0% YoY
|
Top 11.8% in tier |
| Loans |
$37.3M
+11.5% YoY+0.7% QoQ
|
+$22.0M |
$15.3M
-2.0% YoY
|
$139.0M
+4.5% YoY
|
$402.4M
+8.7% YoY
|
Top 11.8% in tier |
| Deposits |
$61.3M
+6.0% YoY+1.6% QoQ
|
+$35.5M |
$25.8M
+0.7% YoY
|
$173.7M
+3.7% YoY
|
$494.3M
+9.1% YoY
|
Top 11.4% in tier |
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| ROA |
1.1%
+7.6% YoY+13.5% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.9%
+42.2% YoY
|
0.4%
-39.2% YoY
|
72% |
| NIM |
3.1%
+10.7% YoY+2.9% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.4%
+5.6% YoY
|
3.8%
+4.1% YoY
|
21% |
| Efficiency Ratio |
65.7%
-10.9% YoY-11.2% QoQ
|
-24.9% |
90.6%
+6.5% YoY
|
74.3%
-6.4% YoY
|
84.6%
+2.8% YoY
|
19% |
| Delinquency Rate |
0.1%
-24.8% YoY-36.5% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
0.8%
-32.8% YoY
|
1.2%
+3.4% YoY
|
23% |
| Loan To Share |
60.8%
+5.2% YoY-0.8% QoQ
|
+2.3% |
58.5%
-3.0% YoY
|
68.7%
-2.0% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$38,459
+8.4% YoY+1.7% QoQ
|
+$24K |
$14,884
-1.7% YoY
|
$32,943
+1.9% YoY
|
$19,920
+1.6% YoY
|
Top 1.4% in tier |
| CD Concentration |
34.2%
+6.4% YoY+0.7% QoQ
|
+9.9% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.7% | 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)