BlastPoint's Credit Union Scorecard

AFFIDIAN

Charter #2847 · CO

100M-500M

1070 CUs in 100M-500M nationally 26 in CO

AFFIDIAN has 6 strengths but faces 7 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Fee Income Per Member: Top 3.6% in tier
+ Net Worth Ratio: Top 5.0% in tier
+ Loan-to-Member Ratio (LMR): Top 7.3% in tier
+ Average Member Relationship (AMR): Top 7.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.19% below tier average
- Efficiency ratio 7.67% above tier (higher cost structure)
- Delinquency rate 0.21% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	14,217 +0.9% YoY-0.2% QoQ	-928	15,145 -2.5% YoY	45,987 +29.5% YoY	33,913 +5.7% YoY	55%
Assets	$362.5M +2.6% YoY+1.1% QoQ	+$130.8M	$231.7M +0.8% YoY	$896.2M +38.1% YoY	$578.3M +9.0% YoY	84%
Loans	$235.4M +2.1% YoY+0.8% QoQ	+$91.2M	$144.1M +0.2% YoY	$687.4M +35.9% YoY	$402.4M +8.7% YoY	84%
Deposits	$293.8M +1.6% YoY+1.1% QoQ	+$92.7M	$201.1M +0.4% YoY	$753.9M +36.7% YoY	$494.3M +9.1% YoY	80%

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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	0.5% -32.8% YoY-56.1% QoQ	-0.2%	0.7% +5.1% YoY	0.5% +3.7% YoY	0.4% -39.2% YoY	38%
NIM	3.2% -5.0% YoY-4.6% QoQ	-0.4%	3.6% +4.6% YoY	3.5% +0.5% YoY	3.8% +4.1% YoY	26%
Efficiency Ratio	85.7% +8.8% YoY+16.7% QoQ	+7.7%	78.0% -1.7% YoY	80.2% -2.9% YoY	84.6% +2.8% YoY	74%
Delinquency Rate	1.0% +16.1% YoY+5.1% QoQ	+0.2	0.8% +7.1% YoY	1.0% +37.3% YoY	1.2% +3.4% YoY	75%
Loan To Share	80.1% +0.5% YoY-0.3% QoQ	+9.7%	70.4% -0.4% YoY	71.5% -0.6% YoY	65.6% -1.4% YoY	69%
AMR	$37,221 +0.9% YoY+1.2% QoQ	+$12K	$24,918 +2.7% YoY	$24,339 +6.3% YoY	$19,920 +1.6% YoY	Top 7.8% in tier
CD Concentration	29.3% +9.9% YoY-1.5% QoQ	+5.0%	24.3%	26.7%	19.8%	50%
Indirect Auto %	9.9% -10.1% YoY-4.9% QoQ	-3.9%	13.8%	12.4%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#324 of 371 • Top 50.0% in tier

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

Why This Signature

Member Growth (YoY): 0.94%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 9.95%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#343 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.94%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.54%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 9.95%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Efficiency Drag

risk

#227 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.70%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 0.94%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Credit Quality Pressure

risk

#431 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Liquidity Overhang

risk

#89 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.07%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 80.12%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank worsening

Credit Risk Growth

risk

#397 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 2.10%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.14% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

Fee Income Per Member

profitability

Value: $311.43

Peer Median: $154.95

#39 of 1070 Top 3.6% in 100M-500M tier

Net Worth Ratio

risk

Value: 18.07%

Peer Median: 11.45%

#55 of 1070 Top 5.0% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,556

Peer Median: $9,356

#79 of 1070 Top 7.3% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $37,221

Peer Median: $22,931

#83 of 1070 Top 7.7% in 100M-500M tier

170

Total Loans

balance_sheet

Value: $235.38M

Peer Median: $121.41M

#170 of 1070 Top 15.8% in 100M-500M tier

174

Total Assets

balance_sheet

Value: $362.51M

Peer Median: $196.57M

#174 of 1070 Top 16.2% in 100M-500M tier

215

Total Deposits

balance_sheet

Value: $293.80M

Peer Median: $171.29M

#215 of 1070 Top 20.0% in 100M-500M tier

251

Members Per Employee (MPE)

engagement

Value: 384.243

Peer Median: 309.176

#251 of 1070 Top 23.4% in 100M-500M tier

Top Weaknesses (1 metrics)

806

Total Delinquency Rate (60+ days)

risk

Value: 0.98%

Peer Median: 0.61%

#806 of 1070 Bottom 24.8% in 100M-500M tier