BlastPoint's Credit Union Scorecard
AFFINITY
Charter #62829 · IA
AFFINITY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Net Interest Margin 0.96% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Deposit Growth Rate: Bottom 10.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,302
-0.7% YoY-2.9% QoQ
|
-2.8K |
15,145
-2.5% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$150.9M
-1.1% YoY+1.2% QoQ
|
$-80.8M |
$231.7M
+0.8% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
31% |
| Loans |
$106.2M
+3.0% YoY+0.4% QoQ
|
$-37.9M |
$144.1M
+0.2% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
40% |
| Deposits |
$130.6M
-2.0% YoY+1.2% QoQ
|
$-70.5M |
$201.1M
+0.4% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
30% |
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| ROA |
1.1%
+995.0% YoY+127.3% QoQ
|
+0.4% |
0.7%
+5.1% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
74% |
| NIM |
4.6%
+8.7% YoY+4.1% QoQ
|
+1.0% |
3.6%
+4.6% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
Top 8.2% in tier |
| Efficiency Ratio |
76.2%
-19.1% YoY-10.5% QoQ
|
-1.9% |
78.0%
-1.7% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
41% |
| Delinquency Rate |
0.6%
-30.4% YoY-19.4% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
47% |
| Loan To Share |
81.3%
+5.1% YoY-0.8% QoQ
|
+10.9% |
70.4%
-0.4% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
71% |
| AMR |
$19,253
+0.9% YoY+3.9% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration |
19.6%
-4.7% YoY-3.2% QoQ
|
-4.7% | 24.3% | 21.8% | 19.8% | 50% |
| Indirect Auto % |
3.6%
-50.5% YoY-15.1% QoQ
|
-10.2% | 13.8% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)