BlastPoint's Credit Union Scorecard

AFFINITY

Charter #62829 · IA

1077 CUs in 100M-500M nationally 17 in IA

AFFINITY has 2 strengths but faces 7 concerns

National Analysis

How does the industry compare?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 30.2% in tier
+ Net Interest Margin 0.76% above tier average

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 3.8% in tier
- Stagnation Risk: Bottom 15.5% in tier
- Efficiency Drag: Bottom 24.7% in tier
- ROA 0.41% below tier average
- Efficiency ratio 10.60% above tier (higher cost structure)
- Member decline: -7.6% YoY
- Member Growth Rate: Bottom 5.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	12,629 -7.6% YoY+0.5% QoQ	-3.0K	15,628 -3.4% YoY	24,664 +0.3% YoY	33,089 +6.1% YoY	45%
Assets	$148.8M +2.2% YoY-0.6% QoQ	$-82.5M	$231.3M -0.0% YoY	$515.3M +7.1% YoY	$547.7M +7.8% YoY	31%
Loans	$103.9M +0.9% YoY+1.3% QoQ	$-43.9M	$147.8M -1.4% YoY	$418.6M +8.3% YoY	$388.7M +8.6% YoY	37%
Deposits	$128.3M +1.5% YoY-1.5% QoQ	$-72.0M	$200.3M -0.0% YoY	$421.4M +6.5% YoY	$464.6M +9.3% YoY	30%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -64.2% YoY-4.9% QoQ	-0.4%	0.8% +15.5% YoY	1.0% +0.3% YoY	0.7% +273.4% YoY	24%
NIM	4.3% +5.7% YoY+3.8% QoQ	+0.8%	3.6% +6.9% YoY	3.8% +3.9% YoY	3.7% +5.0% YoY	Top 12.5% in tier
Efficiency Ratio	87.9% +8.9% YoY-2.6% QoQ	+10.6%	77.3% -3.0% YoY	72.0% +0.4% YoY	79.1% -3.3% YoY	85%
Delinquency Rate	0.7% -23.8% YoY-12.1% QoQ	-0.1	0.9% +7.6% YoY	1.2% -5.8% YoY	1.2% -0.9% YoY	54%
Loan To Share	81.0% -0.6% YoY+2.9% QoQ	+8.3%	72.7% -1.5% YoY	77.1% -1.2% YoY	68.0% -1.7% YoY	66%
AMR	$18,386 +9.5% YoY-0.8% QoQ	$-6K	$24,363 +2.9% YoY	$20,702 +4.3% YoY	$19,418 +1.3% YoY	25%
CD Concentration	20.5% +2.3% YoY+2.7% QoQ	-3.9%	24.4% +4.2% YoY	22.0% +1.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	5.3% -41.2% YoY-13.9% QoQ	-8.7%	14.0% -5.7% YoY	9.3% -2.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#146 of 481 • Top 30.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.50%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline

#63 of 550 • Bottom 3.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -7.56%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk

#256 of 550 • Bottom 15.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -7.56%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 0.87%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.73%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Efficiency Drag

risk

#436 of 521 • Bottom 24.7% in tier

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

Why This Signature

Efficiency Ratio: 87.88%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.68% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -7.56%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

117

AMR Growth Rate

growth

Value: 9.50%

Peer Avg: -

#117 of 1077 Top 10.8% in 100M-500M tier

135

Net Interest Margin (NIM)

profitability

Value: 4.35%

Peer Avg: -

#135 of 1077 Top 12.4% in 100M-500M tier

238

Fee Income Per Member

profitability

Value: $220.85

Peer Avg: -

#238 of 1077 Top 22.0% in 100M-500M tier

Top Weaknesses (4 metrics)

1019

Member Growth Rate

growth

Value: -7.56%

Peer Avg: -

#1019 of 1077 Bottom 5.5% in 100M-500M tier

914

Efficiency Ratio

profitability

Value: 87.88%

Peer Avg: -

#914 of 1077 Bottom 15.2% in 100M-500M tier

888

Net Charge-Off Rate

risk

Value: 0.75%

Peer Avg: -

#888 of 1077 Bottom 17.6% in 100M-500M tier

824

Return on Assets (ROA)

profitability

Value: 0.38%

Peer Avg: -

#824 of 1077 Bottom 23.6% in 100M-500M tier