BlastPoint's Credit Union Scorecard
AFFINITY
Charter #62829 · IA
AFFINITY has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.93% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 6.29% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 19 that size in Iowa.
- Shares and deposits +2.7% year over year ($134M in shares and deposits).
- Membership: 12,393 members, -1.4% vs a year ago.
- Delinquency rate 0.35%.
- Return on assets 0.66%.
- Efficiency ratio 83.03% vs a 76.73% peer average.
- Loan-to-share ratio 81.88% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,393
-1.4% YoY+0.7% QoQ
|
-2.8K |
15,168
-2.6% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
46% |
| Assets |
$154.3M
+3.0% YoY+2.2% QoQ
|
$-77.7M |
$232.0M
+0.7% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
33% |
| Loans |
$109.5M
+6.8% YoY+3.1% QoQ
|
$-36.7M |
$146.3M
+0.2% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
41% |
| Deposits |
$133.8M
+2.7% YoY+2.4% QoQ
|
$-66.9M |
$200.7M
+0.2% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
32% |
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| ROA |
0.7%
+65.9% YoY-39.4% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
41% |
| NIM |
4.6%
+10.0% YoY+0.5% QoQ
|
+0.9% |
3.7%
+4.5% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
Top 8.3% in tier |
| Efficiency Ratio |
83.0%
-8.0% YoY+9.0% QoQ
|
+6.3% |
76.7%
-0.8% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
69% |
| Delinquency Rate |
0.3%
-58.4% YoY-39.6% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
81.9%
+4.0% YoY+0.7% QoQ
|
+10.3% |
71.5%
-0.3% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
69% |
| AMR |
$19,632
+5.9% YoY+2.0% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration |
20.0%
+0.4% YoY+2.2% QoQ
|
-4.5% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % |
2.9%
-52.5% YoY-18.7% QoQ
|
-10.7% | 13.6% | 9.1% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)