BlastPoint's Credit Union Scorecard

AFFINITY

Charter #857 · NJ

Mid-Market 3B-5B
78 CUs in 3B-5B nationally 1 in NJ
View Mid-Market leaderboard →

AFFINITY has 4 strengths but faces 5 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 19.5% in tier
  • + Organic Growth Engine: Top 19.5% in tier
  • + Strong member growth: 5.5% YoY
  • + Total Loans: Top 2.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 7.8% in tier
  • - Efficiency Drag: Bottom 8.9% in tier
  • - ROA 0.54% below tier average
  • - Efficiency ratio 15.26% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 7.7% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Members 245,563
+5.5% YoY+1.4% QoQ
 +25.1K 220,435
-7.6% YoY
 7,451
+5.5% YoY
 33,913
+5.7% YoY
 68%
Assets $4.4B
+4.0% YoY-0.4% QoQ
 +$487.9M $3.9B
-1.5% YoY
 $121.0M
+5.7% YoY
 $578.3M
+9.0% YoY
 74%
Loans $4.0B
+10.9% YoY+0.6% QoQ
 +$1.1B $2.9B
-1.1% YoY
 $75.7M
+10.1% YoY
 $402.4M
+8.7% YoY
 Top 3.8% in tier
Deposits $3.9B
+6.3% YoY+3.5% QoQ
 +$601.2M $3.3B
-2.5% YoY
 $104.6M
+7.1% YoY
 $494.3M
+9.1% YoY
 Top 14.1% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.2%
+21.9% YoY-14.0% QoQ
 -0.5% 0.7%
+10.6% YoY
 0.4%
-4.8% YoY
 0.4%
-39.2% YoY
 Bottom 10.3% in tier
NIM 2.8%
+0.7% YoY+2.0% QoQ
 -0.4% 3.2%
+4.6% YoY
 3.8%
+4.3% YoY
 3.8%
+4.1% YoY
 20%
Efficiency Ratio 86.5%
+0.0% YoY+1.2% QoQ
 +15.3% 71.3%
-2.6% YoY
 85.6%
-4.2% YoY
 84.6%
+2.8% YoY
 Bottom 5.1% in tier
Delinquency Rate 0.7%
-14.8% YoY-21.9% QoQ
 +0.0 0.7%
+9.2% YoY
 2.4%
+59.8% YoY
 1.2%
+3.4% YoY
 62%
Loan To Share 101.4%
+4.3% YoY-2.8% QoQ
 +13.4% 88.0%
+0.9% YoY
 51.7%
-1.0% YoY
 65.6%
-1.4% YoY
 Top 11.5% in tier
AMR $31,973
+2.9% YoY+0.6% QoQ
 +$1K $30,672
+5.5% YoY
 $16,671
+1.3% YoY
 $19,920
+1.6% YoY
 65%
CD Concentration 30.3%
+6.7% YoY-2.0% QoQ
 +1.5% 28.8% 14.5% 19.8% 58%
Indirect Auto % 5.7%
-32.9% YoY-13.0% QoQ
 -12.4% 18.1% 1.0% 7.7% 27%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#32 of 116 • Top 19.5% in tier

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

Why This Signature
Member Growth (YoY): 5.53%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Indirect Auto %: 5.67%
(Tier: 18.07%, National: 7.73%)
better than tier avg
116 of 384 Mid-Market CUs have this signature | 518 nationally
→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth
#91 of 115 • Top 19.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.53%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Return on Assets: 0.19%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 5.67%
(Tier: 18.07%, National: 7.73%)
better than tier avg
115 of 384 Mid-Market CUs have this signature | 499 nationally
→ No prior data (115 CUs now) | New qualifier

Concerns (2)

Liquidity Strain

risk
#11 of 148 • Bottom 7.8% in tier

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

Why This Signature
Loan-to-Share Ratio: 101.36%
(Tier: 84.20%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 10.89%
(Tier: 6.71%, National: 1.74%)
but better than tier avg
148 of 384 Mid-Market CUs have this signature | 367 nationally
→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Efficiency Drag

risk
#25 of 100 • Bottom 8.9% in tier

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

Why This Signature
Efficiency Ratio: 86.54%
(Tier: 73.98%, National: 84.64%)
worse than tier avg
ROA Change (YoY): 0.03% points
(Tier: 0.14% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): 5.53%
(Tier: 3.50%, National: 10.19%)
but better than tier avg
100 of 384 Mid-Market CUs have this signature | 702 nationally
↓ Shrinking -38 CUs YoY

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 78 peers in tier

Top Strengths (7 metrics)

3
Total Loans
balance_sheet
Value: $3.95B
Peer Median: $2.92B
#3 of 78 Top 2.6% in 3B-5B tier
9
Loan-to-Share Ratio
balance_sheet
Value: 101.36%
Peer Median: 90.65%
#9 of 78 Top 10.3% in 3B-5B tier
11
Total Deposits
balance_sheet
Value: $3.90B
Peer Median: $3.34B
#11 of 78 Top 12.8% in 3B-5B tier
16
Indirect Auto Concentration (%)
balance_sheet
Value: 5.67%
Peer Median: 18.10%
#16 of 78 Top 19.2% in 3B-5B tier
17
Loan Growth Rate
growth
Value: 10.89%
Peer Median: 5.73%
#17 of 78 Top 20.5% in 3B-5B tier
20
Member Growth Rate
growth
Value: 5.53%
Peer Median: 3.36%
#20 of 78 Top 24.4% in 3B-5B tier
20
Total Assets
balance_sheet
Value: $4.40B
Peer Median: $3.94B
#20 of 78 Top 24.4% in 3B-5B tier

Top Weaknesses (5 metrics)

75
Efficiency Ratio
profitability
Value: 86.54%
Peer Median: 69.26%
#75 of 78 Bottom 5.1% in 3B-5B tier
73
Net Worth Ratio
risk
Value: 8.14%
Peer Median: 10.59%
#73 of 78 Bottom 7.7% in 3B-5B tier
71
First Mortgage Concentration (%)
balance_sheet
Value: 55.78%
Peer Median: 32.80%
#71 of 78 Bottom 10.3% in 3B-5B tier
70
Return on Assets (ROA)
profitability
Value: 0.19%
Peer Median: 0.75%
#70 of 78 Bottom 11.5% in 3B-5B tier
62
Net Interest Margin (NIM)
profitability
Value: 2.80%
Peer Median: 3.23%
#62 of 78 Bottom 21.8% in 3B-5B tier
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