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 0.34% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 1.5% in tier
- + Loan-to-Member Ratio (LMR): Top 2.5% in tier
- + Fee Income Per Member: Top 5.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,573
-0.8% YoY-0.2% QoQ
|
-42 |
2,615
-1.9% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
61% |
| Assets |
$69.9M
+5.1% YoY+4.7% QoQ
|
+$39.8M |
$30.1M
+2.1% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
Top 12.6% in tier |
| Loans |
$37.0M
+10.3% YoY+2.6% QoQ
|
+$21.2M |
$15.8M
-1.3% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
Top 12.6% in tier |
| Deposits |
$60.3M
+5.0% YoY+5.3% QoQ
|
+$34.6M |
$25.7M
+1.4% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
Top 12.2% in tier |
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| ROA |
1.0%
+75.4% YoY-13.0% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
3.0%
+24.6% YoY-1.5% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
74.0%
-9.4% YoY+4.3% QoQ
|
-8.5% |
82.6%
-2.3% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.2%
-35.1% YoY+77.5% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
61.4%
+5.0% YoY-2.6% QoQ
|
+0.7% |
60.6%
-3.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$37,828
+7.8% YoY+4.5% QoQ
|
+$23K |
$14,783
-1.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
Top 1.5% in tier |
| CD Concentration |
34.0%
-1.9% YoY+0.2% QoQ
|
+9.5% | 24.4% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 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)