BlastPoint's Credit Union Scorecard
AFFINITY ONE
Charter #5785 · NY
AFFINITY ONE has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Efficiency ratio 5.73% above tier (higher cost structure)
- - Member decline: -3.1% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,291
-3.1% YoY-0.7% QoQ
|
+665 |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
71% |
| Assets |
$44.5M
-0.1% YoY-2.6% QoQ
|
+$14.7M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
74% |
| Loans |
$26.5M
-5.7% YoY-1.8% QoQ
|
+$10.8M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
78% |
| Deposits |
$40.2M
-0.6% YoY-2.9% QoQ
|
+$14.8M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
76% |
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 |
0.5%
+3.9% YoY+51.4% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
3.8%
+13.7% YoY+3.1% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
46% |
| Efficiency Ratio |
87.1%
-2.9% YoY-2.4% QoQ
|
+5.7% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
71% |
| Delinquency Rate |
0.2%
+148.0% YoY+8.9% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
30% |
| Loan To Share |
66.0%
-5.2% YoY+1.2% QoQ
|
+4.7% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$20,287
+0.4% YoY-1.8% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
80% |
| CD Concentration |
7.4%
+29.2% YoY+8.0% QoQ
|
-17.0% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)