AFFIDIAN

Charter #2847 | CO

100M-500M (1077 CUs) Micro
26 100M-500M in 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
  • + Relationship Depth Leader: Top 20.2% in tier
  • + Wallet Share Momentum: Top 30.8% 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
  • - Liquidity Overhang: Bottom 12.5% in tier
  • - Growth-at-Risk: Bottom 17.6% 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
 53rd in tier
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
 Top 17.6% in tier
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
 Top 16.6% in tier
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
 Top 21.7% in tier
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
 40th in tier
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
 26th in tier
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
 64th in tier
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
 72nd in tier
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
 50th in tier
Indirect Auto % 10.7%
-1.4% YoY+0.4% QoQ
 -3.3% 14.0%
-5.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#216 of 603 • Top 11.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.92%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.49%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 10.67%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth
#266 of 430 • Top 20.1% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.92%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Relationship Depth Leader

growth
#558 of 1006 • Top 20.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.98%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.6K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#849 of 1006 • Top 30.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.98%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (5)

Margin Compression

decline
#12 of 136 • Bottom 2.6% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.49%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.43% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $351.15M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Cost Spiral

risk
#24 of 62 • Bottom 9.5% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 7.96% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $351.15M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Credit Quality Pressure

risk
#247 of 736 • Bottom 10.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.32% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Liquidity Overhang

risk
#194 of 552 • Bottom 12.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 18.46%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 83.42%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Growth-at-Risk

risk
#265 of 446 • Bottom 17.6% in tier

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

Why This Signature
Loan Growth (YoY): 3.03%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.32% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 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 1077 peers in tier

Top Strengths (8 metrics)

11
Fee Income Per Member
profitability
Value: $455.00
Peer Avg: $174.31
#11 of 1077 Top 0.9% in 100M-500M tier
50
Net Worth Ratio
risk
Value: 18.46%
Peer Avg: 12.15%
#50 of 1077 Top 4.5% in 100M-500M tier
75
Loan-to-Member Ratio (LMR)
engagement
Value: $16,648
Peer Avg: $10,245
#75 of 1077 Top 6.9% in 100M-500M tier
82
Average Member Relationship (AMR)
engagement
Value: $36,606
Peer Avg: $24,363
#82 of 1077 Top 7.5% in 100M-500M tier
135
Return on Assets (ROA)
profitability
Value: 1.49%
Peer Avg: 0.79%
#135 of 1077 Top 12.4% in 100M-500M tier
179
Total Loans
balance_sheet
Value: $236.49M
Peer Avg: $147.80M
#179 of 1077 Top 16.5% in 100M-500M tier
190
Total Assets
balance_sheet
Value: $351.15M
Peer Avg: $231.30M
#190 of 1077 Top 17.5% in 100M-500M tier
234
Total Deposits
balance_sheet
Value: $283.50M
Peer Avg: $200.29M
#234 of 1077 Top 21.6% in 100M-500M tier

Top Weaknesses (0 metrics)

No weakness rankings available