AFFINITY PLUS

Charter #24362 | MN

3B-5B (76 CUs) Mid-Market (380 CUs)
2 3B-5B in MN

AFFINITY PLUS has 6 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 4.6% in tier
  • + Organic Growth Leader: Top 7.9% in tier
  • + ROA 0.06% above tier average
  • + Net Interest Margin 0.37% above tier average
  • + Strong member growth: 6.3% YoY
  • + Total Deposits: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 22.8% in tier
  • - Liquidity Strain: Bottom 33.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 291,157
+6.3% YoY+1.6% QoQ
 +52.7K 238,465
+0.6% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 Top 19.7% in tier
Assets $4.7B
+11.2% YoY+4.6% QoQ
 +$730.0M $4.0B
-0.1% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 Top 11.8% in tier
Loans $3.6B
+0.3% YoY-0.5% QoQ
 +$617.0M $3.0B
+3.3% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 Top 11.8% in tier
Deposits $4.0B
+9.0% YoY+2.2% QoQ
 +$672.4M $3.3B
+1.1% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 Top 10.5% in tier
ROA 0.8%
+87.9% YoY+23.3% QoQ
 +0.1% 0.7%
+5.3% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 49th in tier
NIM 3.6%
+0.6% YoY-0.4% QoQ
 +0.4% 3.2%
+13.7% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 67th in tier
Efficiency Ratio 70.6%
-6.6% YoY-2.1% QoQ
 -0.7% 71.3%
-0.6% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 50th in tier
Delinquency Rate 0.6%
-4.4% YoY+1.8% QoQ
 -0.2 0.8%
+15.9% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 54th in tier
Loan To Share 90.8%
-8.0% YoY-2.6% QoQ
 -0.1% 90.8%
+2.0% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 41st in tier
AMR $26,245
-1.5% YoY-0.7% QoQ
 $-3K $29,088
+0.1% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 37th in tier
CD Concentration 21.6%
-2.8% YoY+0.8% QoQ
 -7.3% 29.0%
+0.8% YoY
 22.0%
+1.9% YoY
 19.6%
+6.2% YoY
 Bottom 18.2% in tier
Indirect Auto % 5.2%
-12.3% YoY-11.6% QoQ
 -13.6% 18.8%
-2.8% YoY
 6.6%
-8.5% YoY
 7.9%
-2.9% YoY
 Bottom 24.8% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#34 of 246 • Top 4.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.30%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.80%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 5.18%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Organic Growth Leader

growth
#32 of 138 • Top 7.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 6.30%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Concerns (2)

Shrinking Wallet Share

decline
#70 of 83 • Bottom 22.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.53%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

Liquidity Strain

risk
#178 of 183 • Bottom 33.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 90.77%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 0.29%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

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 76 peers in tier

Top Strengths (9 metrics)

8
Total Deposits
balance_sheet
Value: $4.01B
Peer Avg: $3.33B
#8 of 76 Top 9.2% in 3B-5B tier
9
Total Assets
balance_sheet
Value: $4.70B
Peer Avg: $3.97B
#9 of 76 Top 10.5% in 3B-5B tier
9
Total Loans
balance_sheet
Value: $3.64B
Peer Avg: $3.02B
#9 of 76 Top 10.5% in 3B-5B tier
11
Asset Growth Rate
growth
Value: 11.17%
Peer Avg: 7.42%
#11 of 76 Top 13.2% in 3B-5B tier
11
Share Certificate Concentration (%)
balance_sheet
Value: 21.64%
Peer Avg: 30.70%
#11 of 76 Top 13.2% in 3B-5B tier
14
Indirect Auto Concentration (%)
balance_sheet
Value: 5.18%
Peer Avg: 20.57%
#14 of 76 Top 17.1% in 3B-5B tier
15
Total Members
engagement
Value: 291,157
Peer Avg: 238,466
#15 of 76 Top 18.4% in 3B-5B tier
17
Member Growth Rate
growth
Value: 6.30%
Peer Avg: 7.02%
#17 of 76 Top 21.1% in 3B-5B tier
18
Deposit Growth Rate
growth
Value: 9.00%
Peer Avg: 8.84%
#18 of 76 Top 22.4% in 3B-5B tier

Top Weaknesses (3 metrics)

67
Net Worth Ratio
risk
Value: 8.57%
Peer Avg: 10.75%
#67 of 76 Bottom 13.2% in 3B-5B tier
64
Loan Growth Rate
growth
Value: 0.29%
Peer Avg: 9.56%
#64 of 76 Bottom 17.1% in 3B-5B tier
60
AMR Growth Rate
growth
Value: -1.53%
Peer Avg: 2.07%
#60 of 76 Bottom 22.4% in 3B-5B tier