BlastPoint's Credit Union Scorecard
AFFIDIAN
Charter #2847 · CO
AFFIDIAN has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.58% above tier average
- + Fee Income Per Member: Top 0.7% in tier
- + Net Worth Ratio: Top 4.7% in tier
- + Loan-to-Member Ratio (LMR): Top 7.7% in tier
- + Average Member Relationship (AMR): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 26 that size in Colorado.
- Shares and deposits +3.0% year over year ($290M in shares and deposits).
- Membership: 14,255 members, +1.1% vs a year ago.
- Delinquency rate 0.85%.
- Return on assets 1.45%.
- Efficiency ratio 71.49% vs a 76.73% peer average.
- Loan-to-share ratio 82.34% vs a 71.54% 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 (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,255
+1.1% YoY+0.3% QoQ
|
-913 |
15,168
-2.6% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$360.1M
+3.5% YoY-0.7% QoQ
|
+$128.1M |
$232.0M
+0.7% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
83% |
| Loans |
$238.9M
+5.2% YoY+1.5% QoQ
|
+$92.6M |
$146.3M
+0.2% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
85% |
| Deposits |
$290.1M
+3.0% YoY-1.2% QoQ
|
+$89.4M |
$200.7M
+0.2% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
1.4%
-16.8% YoY+168.9% QoQ
|
+0.6% |
0.9%
+12.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
Top 14.3% in tier |
| NIM |
3.3%
-4.5% YoY+1.4% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
25% |
| Efficiency Ratio |
71.5%
+9.0% YoY-16.6% QoQ
|
-5.2% |
76.7%
-0.8% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
31% |
| Delinquency Rate |
0.9%
+7.7% YoY-13.3% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
82.3%
+2.1% YoY+2.8% QoQ
|
+10.8% |
71.5%
-0.3% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
70% |
| AMR |
$37,112
+2.8% YoY-0.3% QoQ
|
+$12K |
$25,107
+3.2% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
Top 8.1% in tier |
| CD Concentration |
30.5%
+6.5% YoY+4.0% QoQ
|
+5.9% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % |
9.7%
-9.1% YoY-2.9% QoQ
|
-4.0% | 13.6% | 12.3% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (5)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)