BlastPoint's Credit Union Scorecard
AFFINITY FIRST
Charter #12980 · ND
AFFINITY FIRST has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.42% 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 2.8% in tier
- + AMR Growth Rate: Top 5.2% in tier
- + Fee Income Per Member: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -8.6% YoY
- - Member Growth Rate: Bottom 7.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,579
-8.6% YoY+0.9% QoQ
|
-46 |
2,625
-2.2% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
61% |
| Assets |
$66.7M
+2.9% YoY+4.0% QoQ
|
+$36.9M |
$29.9M
+1.1% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 13.5% in tier |
| Loans |
$36.1M
+6.5% YoY+7.1% QoQ
|
+$20.3M |
$15.8M
-2.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
Top 13.4% in tier |
| Deposits |
$57.3M
+2.5% YoY+4.4% QoQ
|
+$31.8M |
$25.5M
+0.4% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Top 13.4% in tier |
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| ROA |
1.1%
+49.7% YoY-6.7% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
66% |
| NIM |
3.0%
+26.1% YoY+3.0% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
19% |
| Efficiency Ratio |
71.0%
-9.2% YoY-0.0% QoQ
|
-10.4% |
81.4%
-2.4% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.1%
-82.5% YoY-33.6% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
21% |
| Loan To Share |
63.0%
+3.9% YoY+2.6% QoQ
|
+1.7% |
61.2%
-3.0% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
52% |
| AMR |
$36,204
+13.7% YoY+4.5% QoQ
|
+$22K |
$14,627
-2.7% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
Top 1.5% in tier |
| CD Concentration |
33.9%
-5.2% YoY+11.8% QoQ
|
+9.5% |
24.4%
+4.2% YoY
|
22.4%
+2.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
1.1%
-2.9% YoY
|
7.9%
-2.9% YoY
|
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)