BlastPoint's Credit Union Scorecard

AFFINITY PLUS

Charter #24362 · MN

Large 5B-7B

Affinity Plus at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Affinity Plus is one of 101 credit unions in the 2026 VentureTech card set. We also found Affinity Plus's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET
VENTURETECH EDITION
Affinity Plus
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39 CUs in 5B-7B nationally 2 in MN
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AFFINITY PLUS has 5 strengths but faces 2 concerns

National Analysis

How does the industry compare?
Large Tier

What's your peer group doing?
MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 14.1% in tier
  • + ROA 0.25% above tier average
  • + Net Interest Margin 0.28% above tier average
  • + Strong member growth: 5.8% YoY
  • + Asset Growth Rate: Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Efficiency ratio 0.99% above tier (higher cost structure)
  • - Total Deposits: Bottom 7.7% in tier
WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

  1. 1 CLEAR Your card arrived By email from Collier at BlastPoint
  2. 2 YOU ARE HERE Open your pack Right here on your Scorecard
  3. 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
  4. 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
ADMIT ONE · PLAYER 1
Your printed pack
Where
The BlastPoint booth, Omni Fort Worth
Expo hall
Mon Nov 16 and Tue Nov 17
Pick a time to meet

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 303,111
+5.8% YoY+1.4% QoQ
 -7.8K 310,918
+6.0% YoY
 22,911
-12.6% YoY
 34,678
+6.6% YoY
 49%
Assets $5.0B
+12.3% YoY-0.1% QoQ
 $-743.9M $5.8B
-1.1% YoY
 $439.2M
-13.6% YoY
 $593.1M
+10.2% YoY
 Bottom 10.3% in tier
Loans $3.8B
+4.3% YoY+0.6% QoQ
 $-391.4M $4.2B
-0.7% YoY
 $304.0M
-16.2% YoY
 $418.6M
+10.1% YoY
 36%
Deposits $4.3B
+9.4% YoY-0.2% QoQ
 $-606.5M $4.9B
-1.3% YoY
 $366.9M
-12.4% YoY
 $504.8M
+10.3% YoY
 Bottom 5.1% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 1.2%
+81.0% YoY+12.2% QoQ
 +0.2% 0.9%
+35.3% YoY
 1.8%
-6.5% YoY
 1.2%
+121.4% YoY
 74%
NIM 3.5%
-2.8% YoY+2.5% QoQ
 +0.3% 3.2%
+9.5% YoY
 3.8%
+5.6% YoY
 3.8%
+2.3% YoY
 67%
Efficiency Ratio 66.2%
-8.2% YoY-3.0% QoQ
 +1.0% 65.2%
-9.0% YoY
 101.1%
+34.5% YoY
 83.0%
-5.3% YoY
 49%
Delinquency Rate 0.6%
-7.0% YoY+1.3% QoQ
 -0.2 0.8%
+23.8% YoY
 1.0%
+6.0% YoY
 1.3%
+2.6% YoY
 41%
Loan To Share 88.8%
-4.7% YoY+0.8% QoQ
 +3.2% 85.6%
-0.2% YoY
 75.4%
-1.3% YoY
 66.4%
-1.4% YoY
 46%
AMR $26,713
+1.1% YoY-1.3% QoQ
 $-5K $32,010
-7.3% YoY
 $23,990
+3.7% YoY
 $20,028
-0.9% YoY
 28%
CD Concentration 20.3%
-5.3% YoY-1.1% QoQ
 -8.0% 28.3% 21.9% 20.0% 20%
Indirect Auto % 7.5%
+28.8% YoY-12.6% QoQ
 -9.3% 16.8% 6.4% 7.7% 30%

Signature Analysis

Strengths (3)

Emerging Performer

growth
#2 of 19 • Top 27.3% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 1.18%
(Tier: 0.96%, National: 1.23%)
better than tier avg
Member Growth (YoY): 5.80%
(Tier: 4.24%, National: 15.67%)
better than tier avg
19 of 67 Large CUs have this signature | 283 nationally
→ Stable (18→19 CUs) +1 CUs YoY | New qualifier

Organic Growth Leader

growth
#3 of 22 • Top 14.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.80%
(Tier: 4.24%, National: 15.67%)
better than tier avg
Indirect Auto %: 7.55%
(Tier: 16.81%, National: 7.71%)
better than tier avg
22 of 67 Large CUs have this signature | 485 nationally
→ Stable (27→22 CUs) -5 CUs YoY | Rank improving

Organic Growth Engine

growth
#4 of 22 • Top 14.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.80%
(Tier: 4.24%, National: 15.67%)
better than tier avg
Return on Assets: 1.18%
(Tier: 0.96%, National: 1.23%)
better than tier avg
Indirect Auto %: 7.55%
(Tier: 16.81%, National: 7.71%)
better than tier avg
22 of 67 Large CUs have this signature | 490 nationally
↓ Shrinking -25 CUs YoY | Rank improving

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 39 peers in tier

Top Strengths (6 metrics)

4
Asset Growth Rate
growth
Value: 12.31%
Peer Median: 6.34%
#4 of 39 Top 7.7% in 5B-7B tier
5
Member Growth Rate
growth
Value: 5.80%
Peer Median: 2.78%
#5 of 39 Top 10.3% in 5B-7B tier
8
Deposit Growth Rate
growth
Value: 9.45%
Peer Median: 6.19%
#8 of 39 Top 17.9% in 5B-7B tier
8
Share Certificate Concentration (%)
balance_sheet
Value: 20.33%
Peer Median: 29.09%
#8 of 39 Top 17.9% in 5B-7B tier
10
Return on Assets (ROA)
profitability
Value: 1.18%
Peer Median: 0.85%
#10 of 39 Top 23.1% in 5B-7B tier
10
Members Per Employee (MPE)
engagement
Value: 496.090
Peer Median: 423.198
#10 of 39 Top 23.1% in 5B-7B tier

Top Weaknesses (3 metrics)

37
Total Deposits
balance_sheet
Value: $4.29B
Peer Median: $4.80B
#37 of 39 Bottom 7.7% in 5B-7B tier
35
Net Worth Ratio
risk
Value: 8.78%
Peer Median: 10.43%
#35 of 39 Bottom 12.8% in 5B-7B tier
35
Total Assets
balance_sheet
Value: $5.05B
Peer Median: $5.68B
#35 of 39 Bottom 12.8% in 5B-7B tier
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