BlastPoint's Credit Union Scorecard

AFFINITY

Charter #857 · NJ

Mid-Market 3B-5B

77 CUs in 3B-5B nationally 1 in NJ

View Mid-Market leaderboard →

AFFINITY has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 21.0% in tier
+ Organic Growth Engine: Top 21.0% in tier
+ Strong member growth: 5.2% YoY
+ Total Loans: Top 3.9% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 5.9% in tier
- Liquidity Strain: Bottom 9.9% in tier
- Credit Risk Growth: Bottom 50.3% in tier
- Credit Quality Pressure: Bottom 51.6% in tier
- ROA 0.72% below tier average
- Efficiency ratio 16.71% above tier (higher cost structure)
- Delinquency rate 0.09% above tier average
- Net Worth Ratio: Bottom 7.8% in tier

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 77 credit unions with $3B-$5B in assets nationally, and 1 of 1 that size in New Jersey.
Shares and deposits +5.8% year over year ($3.81B in shares and deposits).
Membership: 248,891 members, +5.2% vs a year ago.
Delinquency rate 0.93%.
Return on assets 0.21%.
Efficiency ratio 86.16% vs a 69.45% peer average.
Loan-to-share ratio 102.57% vs a 90.24% 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 (NJ)	National Avg	Tier Percentile
Members	248,891 +5.2% YoY+1.4% QoQ	+32.3K	216,545 -9.5% YoY	7,520 +5.0% YoY	34,678 +6.6% YoY	73%
Assets	$4.4B +5.3% YoY-1.2% QoQ	+$449.7M	$3.9B -1.6% YoY	$121.5M +6.2% YoY	$593.1M +10.2% YoY	75%
Loans	$3.9B +5.8% YoY-1.0% QoQ	+$981.5M	$2.9B -1.2% YoY	$76.8M +8.6% YoY	$418.6M +10.1% YoY	Top 5.2% in tier
Deposits	$3.8B +5.8% YoY-2.2% QoQ	+$557.2M	$3.3B -2.6% YoY	$104.3M +6.9% YoY	$504.8M +10.3% YoY	84%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -57.0% YoY+8.7% QoQ	-0.7%	0.9% +25.3% YoY	0.9% +81.6% YoY	1.2% +121.4% YoY	Bottom 6.5% in tier
NIM	2.9% +2.4% YoY+2.9% QoQ	-0.4%	3.2% +3.8% YoY	3.9% +3.8% YoY	3.8% +2.3% YoY	20%
Efficiency Ratio	86.2% +7.4% YoY-0.4% QoQ	+16.7%	69.5% -2.3% YoY	85.3% -2.0% YoY	83.0% -5.3% YoY	Bottom 5.2% in tier
Delinquency Rate	0.9% +3.7% YoY+28.3% QoQ	+0.1	0.8% +5.5% YoY	2.2% +22.2% YoY	1.3% +2.6% YoY	68%
Loan To Share	102.6% -0.0% YoY+1.2% QoQ	+12.3%	90.2% +0.9% YoY	52.7% +0.2% YoY	66.4% -1.4% YoY	84%
AMR	$31,046 +0.6% YoY-2.9% QoQ	+$28	$31,018 +6.9% YoY	$16,658 -5.0% YoY	$20,028 -0.9% YoY	62%
CD Concentration	29.9% +5.8% YoY-1.4% QoQ	+0.8%	29.1%	14.8%	20.0%	55%
Indirect Auto %	4.9% -39.3% YoY-13.6% QoQ	-13.2%	18.1%	1.1%	7.7%	24%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#31 of 112 • Top 21.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.16%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 4.90%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank improving

Organic Growth Engine

growth

#82 of 113 • Top 21.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.16%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.21%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 4.90%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Concerns (4)

Liquidity Strain

risk

#50 of 168 • Bottom 9.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 102.57%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 5.84%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk

#50 of 71 • Bottom 5.9% in tier

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

Why This Signature

Efficiency Ratio: 86.16%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.28% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 5.16%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Credit Risk Growth

risk

#148 of 170 • Bottom 50.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.84%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Credit Quality Pressure

risk

#192 of 215 • Bottom 51.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

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 77 peers in tier

Top Strengths (5 metrics)

Total Loans

balance_sheet

Value: $3.91B

Peer Median: $2.91B

#4 of 77 Top 3.9% in 3B-5B tier

Total Deposits

balance_sheet

Value: $3.81B

Peer Median: $3.34B

#12 of 77 Top 14.3% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 102.57%

Peer Median: 93.34%

#12 of 77 Top 14.3% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 4.90%

Peer Median: 18.00%

#14 of 77 Top 16.9% in 3B-5B tier

Total Assets

balance_sheet

Value: $4.35B

Peer Median: $3.97B

#19 of 77 Top 23.4% in 3B-5B tier

Top Weaknesses (5 metrics)

Efficiency Ratio

profitability

Value: 86.16%

Peer Median: 68.32%

#74 of 77 Bottom 5.2% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 0.21%

Peer Median: 0.94%

#72 of 77 Bottom 7.8% in 3B-5B tier

Net Worth Ratio

risk

Value: 8.14%

Peer Median: 10.81%

#72 of 77 Bottom 7.8% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 55.69%

Peer Median: 32.92%

#70 of 77 Bottom 10.4% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 2.88%

Peer Median: 3.28%

#62 of 77 Bottom 20.8% in 3B-5B tier