BlastPoint's Credit Union Scorecard
AFFINITY FIRST
Charter #12980 · ND
AFFINITY FIRST has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 1.3% in tier
- + Loan-to-Member Ratio (LMR): Top 2.4% in tier
- + Fee Income Per Member: Top 5.2% in tier
- + Asset Growth Rate: Top 6.3% in tier
- + Deposit Growth Rate: Top 7.6% in tier
- + AMR Growth Rate: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 17 that size in North Dakota.
- Shares and deposits +10.7% year over year ($60.7M in shares and deposits).
- Membership: 2,543 members, -0.5% vs a year ago.
- Delinquency rate 0.30%.
- Return on assets 1.33%.
- Efficiency ratio 64.53% vs a 88.77% peer average.
- Loan-to-share ratio 59.41% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,543
-0.5% YoY-0.7% QoQ
|
-42 |
2,585
-1.7% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
61% |
| Assets |
$70.8M
+10.3% YoY-0.3% QoQ
|
+$40.5M |
$30.3M
+1.5% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
Top 12.2% in tier |
| Loans |
$36.1M
+7.1% YoY-3.2% QoQ
|
+$20.6M |
$15.5M
-1.7% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
Top 12.7% in tier |
| Deposits |
$60.7M
+10.7% YoY-0.9% QoQ
|
+$34.9M |
$25.8M
+1.1% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
Top 12.0% in tier |
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| ROA |
1.3%
+12.5% YoY+22.2% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
74% |
| NIM |
3.2%
+6.9% YoY+2.5% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
22% |
| Efficiency Ratio |
64.5%
-9.1% YoY-1.8% QoQ
|
-24.2% |
88.8%
-6.9% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
17% |
| Delinquency Rate |
0.3%
+94.6% YoY+160.3% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
59.4%
-3.2% YoY-2.4% QoQ
|
+0.5% |
58.9%
-3.1% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
51% |
| AMR |
$38,070
+9.9% YoY-1.0% QoQ
|
+$23K |
$14,963
-6.8% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
Top 1.3% in tier |
| CD Concentration |
35.2%
+16.0% YoY+2.8% QoQ
|
+10.6% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.2% | 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)