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 39.1% in tier
- + Organic Growth Leader: Top 62.1% in tier
- + Relationship Depth Leader: Top 98.9% in tier
- + ROA 0.47% above tier average
- + Fee Income Per Member: Top 1.3% in tier
- + Net Worth Ratio: Top 5.2% in tier
- + Loan-to-Member Ratio (LMR): Top 7.5% in tier
- + Average Member Relationship (AMR): Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 11.5% in tier
- - Cost Spiral: Bottom 26.7% in tier
- - Liquidity Overhang: Bottom 60.5% in tier
- - Credit Quality Pressure: Bottom 82.7% in tier
- - Delinquency rate 0.04% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,247
+1.9% YoY+0.3% QoQ
|
-1.2K |
15,437
-2.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
55% |
| Assets |
$358.4M
+6.0% YoY+2.1% QoQ
|
+$126.6M |
$231.9M
+1.3% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$233.5M
+0.1% YoY-1.3% QoQ
|
+$86.2M |
$147.3M
-0.1% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$290.6M
+5.6% YoY+2.5% QoQ
|
+$89.8M |
$200.8M
+0.8% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
79% |
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%
-24.3% YoY-17.5% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
3.4%
-6.5% YoY-1.8% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
73.4%
+12.9% YoY+4.7% QoQ
|
-3.6% |
77.0%
-3.1% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.9%
+6.7% YoY+9.9% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
65% |
| Loan To Share |
80.4%
-5.2% YoY-3.7% QoQ
|
+8.1% |
72.2%
-1.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$36,789
+1.1% YoY+0.5% QoQ
|
+$12K |
$24,676
+3.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
Top 7.9% in tier |
| CD Concentration |
29.8%
+15.1% YoY-1.2% QoQ
|
+5.3% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % |
10.5%
-4.0% YoY-2.0% QoQ
|
-3.3% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (3)
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.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
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.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)