BlastPoint's Credit Union Scorecard
AFFIDIAN
Charter #2847 · CO
AFFIDIAN has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 11.7% in tier
- + Organic Growth Leader: Top 20.1% in tier
- + Profitability Leader: Top 46.0% in tier
- + Relationship Depth Leader: Top 87.1% in tier
- + ROA 0.70% above tier average
- + Fee Income Per Member: Top 0.9% in tier
- + Net Worth Ratio: Top 4.5% in tier
- + Loan-to-Member Ratio (LMR): Top 6.9% in tier
- + Average Member Relationship (AMR): Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 2.6% in tier
- - Cost Spiral: Bottom 9.5% in tier
- - Credit Quality Pressure: Bottom 10.0% in tier
- - Credit Risk Growth: Bottom 17.6% in tier
- - Liquidity Overhang: Bottom 64.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,205
+1.9% YoY+0.7% QoQ
|
-1.4K |
15,628
-3.4% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
53% |
| Assets |
$351.1M
+5.4% YoY+0.9% QoQ
|
+$119.8M |
$231.3M
-0.0% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
82% |
| Loans |
$236.5M
+3.0% YoY+4.1% QoQ
|
+$88.7M |
$147.8M
-1.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
83% |
| Deposits |
$283.5M
+4.7% YoY+0.7% QoQ
|
+$83.2M |
$200.3M
-0.0% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
78% |
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| ROA |
1.5%
-22.5% YoY-14.5% QoQ
|
+0.7% |
0.8%
+15.5% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
Top 12.5% in tier |
| NIM |
3.4%
-5.4% YoY+0.4% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
70.1%
+12.8% YoY+6.9% QoQ
|
-7.1% |
77.3%
-3.0% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.8%
+59.3% YoY+7.5% QoQ
|
-0.0 |
0.9%
+7.6% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
64% |
| Loan To Share |
83.4%
-1.6% YoY+3.4% QoQ
|
+10.7% |
72.7%
-1.5% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
72% |
| AMR |
$36,606
+2.0% YoY+1.4% QoQ
|
+$12K |
$24,363
+2.9% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
Top 7.6% in tier |
| CD Concentration |
30.1%
+24.1% YoY+5.3% QoQ
|
+5.7% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
10.7%
-1.4% YoY+0.4% QoQ
|
-3.3% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
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.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)