BlastPoint's Credit Union Scorecard
AFFINITY PLUS
Charter #24362 · MN
AFFINITY PLUS shows strong momentum with 8 strengths and 6.0% YoY member growth
How does the industry compare?
What's your peer group doing?
How does MN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 9.8% in tier
- + Organic Growth Leader: Top 25.5% in tier
- + ROA 0.22% above tier average
- + Net Interest Margin 0.33% above tier average
- + Strong member growth: 6.0% YoY
- + Total Assets: Top 2.6% in tier
- + Total Deposits: Top 3.9% in tier
- + Total Loans: Top 6.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
294,655
+6.0% YoY+1.2% QoQ
|
+64.3K |
230,353
-2.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$4.9B
+12.9% YoY+3.8% QoQ
|
+$937.9M |
$3.9B
+0.3% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
Top 3.9% in tier |
| Loans |
$3.7B
+1.0% YoY+2.0% QoQ
|
+$772.9M |
$2.9B
-0.2% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
Top 7.9% in tier |
| Deposits |
$4.1B
+10.2% YoY+3.5% QoQ
|
+$836.8M |
$3.3B
-0.3% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 5.3% in tier |
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| ROA |
0.9%
+96.9% YoY+16.6% QoQ
|
+0.2% |
0.7%
+16.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
3.5%
-2.1% YoY-2.8% QoQ
|
+0.3% |
3.1%
+9.8% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
68.3%
-8.3% YoY-3.3% QoQ
|
-3.1% |
71.4%
-1.4% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.7%
-6.2% YoY+9.5% QoQ
|
-0.2 |
0.9%
+5.8% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
89.4%
-8.4% YoY-1.5% QoQ
|
+0.5% |
88.9%
-0.2% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$26,661
-0.3% YoY+1.6% QoQ
|
$-3K |
$29,682
+1.5% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
21.4%
-4.5% YoY-1.1% QoQ
|
-7.6% | 29.0% | 22.0% | 19.8% | 18% |
| Indirect Auto % |
6.0%
-7.0% YoY+15.4% QoQ
|
-12.3% | 18.3% | 6.5% | 7.8% | 27% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)