AFFINITY

Charter #62829 | IA

100M-500M (1077 CUs) Micro
17 100M-500M in IA

AFFINITY has 4 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 5.3% in tier
  • + Relationship Depth Leader: Top 10.3% in tier
  • + Emerging Performer: Top 31.8% 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
  • - Liquidity Overhang: Bottom 33.1% 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
 45th in tier
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
 31st in tier
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
 37th in tier
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
 30th in tier
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
 Bottom 23.5% in tier
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
 Top 15.2% in tier
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
 54th in tier
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
 66th in tier
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
 25th in tier
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
 50th in tier
Indirect Auto % 5.3%
-41.2% YoY-13.9% QoQ
 -8.7% 14.0%
-5.8% YoY
 9.3%
-2.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#146 of 1006 • Top 5.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 9.50%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#285 of 1006 • Top 10.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 9.50%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#597 of 627 • Top 31.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.38%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -7.56%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (4)

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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.38%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -7.56%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $18.4K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 20.49%
(Tier: 24.41%, National: 19.60%)
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

Liquidity Overhang

risk
#513 of 552 • Bottom 33.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.17%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 81.02%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

117
AMR Growth Rate
growth
Value: 9.50%
Peer Avg: 3.64%
#117 of 1077 Top 10.8% in 100M-500M tier
135
Net Interest Margin (NIM)
profitability
Value: 4.35%
Peer Avg: 3.58%
#135 of 1077 Top 12.4% in 100M-500M tier
238
Fee Income Per Member
profitability
Value: $220.85
Peer Avg: $174.31
#238 of 1077 Top 22.0% in 100M-500M tier

Top Weaknesses (4 metrics)

1019
Member Growth Rate
growth
Value: -7.56%
Peer Avg: 0.72%
#1019 of 1077 Bottom 5.5% in 100M-500M tier
914
Efficiency Ratio
profitability
Value: 87.88%
Peer Avg: 77.28%
#914 of 1077 Bottom 15.2% in 100M-500M tier
888
Net Charge-Off Rate
risk
Value: 0.75%
Peer Avg: 0.47%
#888 of 1077 Bottom 17.6% in 100M-500M tier
824
Return on Assets (ROA)
profitability
Value: 0.38%
Peer Avg: 0.79%
#824 of 1077 Bottom 23.6% in 100M-500M tier