BlastPoint's Credit Union Scorecard

AFFINITY PLUS

Charter #24362 · MN

Large 5B-7B
37 CUs in 5B-7B nationally 2 in MN
View Large leaderboard →

AFFINITY PLUS has 6 strengths but faces 6 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 18.8% in tier
  • + Organic Growth Engine: Top 18.8% in tier
  • + Emerging Performer: Top 30.3% in tier
  • + ROA 0.19% above tier average
  • + Net Interest Margin 0.24% above tier average
  • + Strong member growth: 5.8% YoY

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 48.4% in tier
  • - Credit Quality Pressure: Bottom 62.5% in tier
  • - Efficiency ratio 1.67% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 5.4% in tier
  • - Total Assets: Bottom 5.4% in tier
  • - Total Deposits: Bottom 8.1% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 298,790
+5.8% YoY+1.4% QoQ
 -9.0K 307,793
+7.6% YoY
 22,507
-13.7% YoY
 33,913
+5.7% YoY
 46%
Assets $5.0B
+12.2% YoY+3.5% QoQ
 $-720.4M $5.8B
-0.2% YoY
 $434.0M
-15.1% YoY
 $578.3M
+9.0% YoY
 Bottom 2.7% in tier
Loans $3.8B
+4.9% YoY+2.1% QoQ
 $-367.8M $4.2B
+0.4% YoY
 $293.6M
-17.5% YoY
 $402.4M
+8.7% YoY
 32%
Deposits $4.3B
+9.1% YoY+3.6% QoQ
 $-598.7M $4.9B
+0.2% YoY
 $364.1M
-13.5% YoY
 $494.3M
+9.1% YoY
 Bottom 5.4% in tier

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

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ROA 1.1%
+173.0% YoY+12.3% QoQ
 +0.2% 0.9%
+47.0% YoY
 0.2%
-92.6% YoY
 0.4%
-39.2% YoY
 70%
NIM 3.4%
-4.2% YoY-2.1% QoQ
 +0.2% 3.2%
+9.8% YoY
 3.7%
+5.4% YoY
 3.8%
+4.1% YoY
 62%
Efficiency Ratio 68.2%
-10.4% YoY-0.1% QoQ
 +1.7% 66.6%
-11.0% YoY
 102.0%
+29.5% YoY
 84.6%
+2.8% YoY
 49%
Delinquency Rate 0.6%
+0.9% YoY-17.6% QoQ
 -0.1 0.7%
+23.3% YoY
 0.8%
-5.2% YoY
 1.2%
+3.4% YoY
 40%
Loan To Share 88.1%
-3.8% YoY-1.4% QoQ
 +3.4% 84.7%
-0.7% YoY
 73.2%
-2.1% YoY
 65.6%
-1.4% YoY
 43%
AMR $27,056
+1.2% YoY+1.5% QoQ
 $-5K $32,237
-7.3% YoY
 $24,012
+4.3% YoY
 $19,920
+1.6% YoY
 24%
CD Concentration 20.6%
-4.2% YoY-3.9% QoQ
 -8.1% 28.6% 22.6% 19.8% 18%
Indirect Auto % 8.6%
+49.1% YoY+44.5% QoQ
 -7.7% 16.4% 6.4% 7.7% 30%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#2 of 22 • Top 18.8% in tier

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

Why This Signature
Member Growth (YoY): 5.83%
(Tier: 4.32%, National: 10.19%)
better than tier avg
Indirect Auto %: 8.63%
(Tier: 16.37%, National: 7.73%)
better than tier avg
22 of 66 Large CUs have this signature | 518 nationally
→ No prior data (22 CUs now) | New qualifier

Emerging Performer

growth
#2 of 18 • Top 30.3% 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: 1.05%
(Tier: 0.90%, National: 0.39%)
better than tier avg
Member Growth (YoY): 5.83%
(Tier: 4.32%, National: 10.19%)
better than tier avg
18 of 66 Large CUs have this signature | 260 nationally
→ No prior data (18 CUs now) | New qualifier

Organic Growth Engine

growth
#5 of 22 • Top 18.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.83%
(Tier: 4.32%, National: 10.19%)
better than tier avg
Return on Assets: 1.05%
(Tier: 0.90%, National: 0.39%)
better than tier avg
Indirect Auto %: 8.63%
(Tier: 16.37%, National: 7.73%)
better than tier avg
22 of 66 Large CUs have this signature | 499 nationally
→ No prior data (22 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk
#31 of 35 • Bottom 48.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 4.92%
(Tier: 7.53%, National: 1.74%)
worse than tier avg
Delinquency Change (YoY): 0.01% points
(Tier: 0.06% points, National: 0.12% points)
but better than tier avg
35 of 66 Large CUs have this signature | 710 nationally
→ No prior data (35 CUs now) | New qualifier

Credit Quality Pressure

risk
#40 of 42 • Bottom 62.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.06% points, National: 0.12% points)
but better than tier avg
42 of 66 Large CUs have this signature | 1013 nationally
→ Stable (39→42 CUs) +3 CUs YoY | Rank improving

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 37 peers in tier

Top Strengths (4 metrics)

5
Asset Growth Rate
growth
Value: 12.21%
Peer Median: 7.02%
#5 of 37 Top 10.8% in 5B-7B tier
7
Share Certificate Concentration (%)
balance_sheet
Value: 20.56%
Peer Median: 29.06%
#7 of 37 Top 16.2% in 5B-7B tier
8
Member Growth Rate
growth
Value: 5.83%
Peer Median: 2.61%
#8 of 37 Top 18.9% in 5B-7B tier
10
Members Per Employee (MPE)
engagement
Value: 493.868
Peer Median: 416.780
#10 of 37 Top 24.3% in 5B-7B tier

Top Weaknesses (3 metrics)

36
Net Worth Ratio
risk
Value: 8.45%
Peer Median: 10.38%
#36 of 37 Bottom 5.4% in 5B-7B tier
36
Total Assets
balance_sheet
Value: $5.05B
Peer Median: $5.68B
#36 of 37 Bottom 5.4% in 5B-7B tier
35
Total Deposits
balance_sheet
Value: $4.30B
Peer Median: $4.75B
#35 of 37 Bottom 8.1% in 5B-7B tier
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