BlastPoint's Credit Union Scorecard
AFFINITY PLUS
Charter #24362 · MN
AFFINITY PLUS has 7 strengths but faces 2 concerns
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 Leader: Top 14.1% in tier
- + Organic Growth Engine: Top 14.1% in tier
- + Emerging Performer: Top 27.3% 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
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 39 credit unions with $5B-$7B in assets nationally, and 1 of 2 that size in Minnesota.
- Shares and deposits +9.4% year over year ($4.29B in shares and deposits).
- Membership: 303,111 members, +5.8% vs a year ago.
- Delinquency rate 0.57%.
- Return on assets 1.18%.
- Efficiency ratio 66.17% vs a 65.18% peer average.
- Loan-to-share ratio 88.82% vs a 85.64% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
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 |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
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
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)