AFFINITY FIRST

Charter #12980 | ND

<100M (2596 CUs) Micro
17 <100M in 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
 61st in tier
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
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
 66th in tier
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
 Bottom 19.3% in tier
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
 33rd in tier
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
 Bottom 20.9% in tier
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
 52nd in tier
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
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 1.1%
-2.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2596 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
40
Average Member Relationship (AMR)
engagement
Value: $36,204
Peer Avg: $14,627
#40 of 2596 Top 1.5% in <100M tier
73
Loan-to-Member Ratio (LMR)
engagement
Value: $13,990
Peer Avg: $5,488
#73 of 2596 Top 2.8% in <100M tier
135
AMR Growth Rate
growth
Value: 13.74%
Peer Avg: 4.67%
#135 of 2596 Top 5.2% in <100M tier
141
Fee Income Per Member
profitability
Value: $215.43
Peer Avg: $182.96
#141 of 2596 Top 5.4% in <100M tier
349
Total Loans
balance_sheet
Value: $36.08M
Peer Avg: $15.77M
#349 of 2596 Top 13.4% in <100M tier
349
Total Deposits
balance_sheet
Value: $57.29M
Peer Avg: $25.45M
#349 of 2596 Top 13.4% in <100M tier
351
Total Assets
balance_sheet
Value: $66.75M
Peer Avg: $29.86M
#351 of 2596 Top 13.5% in <100M tier
444
Loan Growth Rate
growth
Value: 6.45%
Peer Avg: 59.01%
#444 of 2596 Top 17.1% in <100M tier
544
Total Delinquency Rate (60+ days)
risk
Value: 0.10%
Peer Avg: 1.51%
#544 of 2596 Top 20.9% in <100M tier

Top Weaknesses (5 metrics)

2402
Member Growth Rate
growth
Value: -8.58%
Peer Avg: 14.92%
#2402 of 2596 Bottom 7.5% in <100M tier
2265
Share Certificate Concentration (%)
balance_sheet
Value: 33.89%
Peer Avg: 15.37%
#2265 of 2596 Bottom 12.8% in <100M tier
2176
First Mortgage Concentration (%)
balance_sheet
Value: 34.43%
Peer Avg: 14.49%
#2176 of 2596 Bottom 16.2% in <100M tier
2126
Members Per Employee (MPE)
engagement
Value: 214.917
Peer Avg: 365.701
#2126 of 2596 Bottom 18.1% in <100M tier
2096
Net Interest Margin (NIM)
profitability
Value: 3.04%
Peer Avg: 3.93%
#2096 of 2596 Bottom 19.3% in <100M tier