BlastPoint's Credit Union Scorecard

AFFINITY

Charter #857 · NJ

Mid-Market 3B-5B

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

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AFFINITY has 3 strengths but faces 6 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 16.6% in tier
+ Organic Growth Engine: Top 23.6% in tier
+ Total Loans: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 5.7% in tier
- Efficiency Drag: Bottom 18.8% in tier
- ROA 0.41% below tier average
- Efficiency ratio 11.92% above tier (higher cost structure)
- Delinquency rate 0.08% above tier average
- Net Worth Ratio: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	240,589 +4.1% YoY+1.7% QoQ	+2.1K	238,465 +0.6% YoY	7,324 +5.9% YoY	33,089 +6.1% YoY	59%
Assets	$4.3B +4.8% YoY+4.5% QoQ	+$347.8M	$4.0B -0.1% YoY	$116.8M +7.2% YoY	$547.7M +7.8% YoY	64%
Loans	$3.8B +5.7% YoY+3.9% QoQ	+$823.7M	$3.0B +3.3% YoY	$73.2M +8.5% YoY	$388.7M +8.6% YoY	Top 9.2% in tier
Deposits	$3.7B +2.8% YoY+1.4% QoQ	+$320.2M	$3.3B +1.1% YoY	$98.4M +6.8% YoY	$464.6M +9.3% YoY	74%

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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	0.3% +143.3% YoY-31.3% QoQ	-0.4%	0.7% +5.3% YoY	0.5% +264.7% YoY	0.7% +273.4% YoY	Bottom 13.2% in tier
NIM	2.8% +10.7% YoY+0.2% QoQ	-0.4%	3.2% +13.7% YoY	3.8% +6.0% YoY	3.7% +5.0% YoY	25%
Efficiency Ratio	83.2% -3.8% YoY+3.7% QoQ	+11.9%	71.3% -0.6% YoY	84.8% -21.5% YoY	79.1% -3.3% YoY	Top 10.5% in tier
Delinquency Rate	0.9% -25.5% YoY+3.7% QoQ	+0.1	0.8% +15.9% YoY	1.9% +8.8% YoY	1.2% -0.9% YoY	72%
Loan To Share	105.2% +2.8% YoY+2.5% QoQ	+14.3%	90.8% +2.0% YoY	53.7% -2.5% YoY	68.0% -1.7% YoY	Top 11.8% in tier
AMR	$31,157 +0.1% YoY+1.0% QoQ	+$2K	$29,088 +0.1% YoY	$15,980 -4.9% YoY	$19,418 +1.3% YoY	70%
CD Concentration	30.2% +2.0% YoY+6.7% QoQ	+1.2%	29.0% +0.7% YoY	14.2% +4.6% YoY	19.6% +6.2% YoY	57%
Indirect Auto %	7.6% -49.5% YoY-5.4% QoQ	-11.1%	18.8% -3.0% YoY	0.9% -16.1% YoY	7.9% -2.9% YoY	30%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#66 of 138 • Top 16.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.14%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 7.64%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | New qualifier

Organic Growth Engine

growth

#172 of 246 • Top 23.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.14%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 0.33%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 7.64%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk

#31 of 183 • Bottom 5.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 105.18%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 5.69%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank improving

Efficiency Drag

risk

#63 of 96 • Bottom 18.8% in tier

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

Why This Signature

Efficiency Ratio: 83.18%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.20% points

(Tier: 0.07% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 4.14%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 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)

Compare against:

Comparing against 76 peers in tier

Top Strengths (5 metrics)

Total Loans

balance_sheet

Value: $3.84B

Peer Avg: -

#7 of 76 Top 7.9% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 105.18%

Peer Avg: -

#9 of 76 Top 10.5% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 7.64%

Peer Avg: -

#18 of 76 Top 22.4% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,972

Peer Avg: -

#19 of 76 Top 23.7% in 3B-5B tier

Total Deposits

balance_sheet

Value: $3.65B

Peer Avg: -

#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (4 metrics)

Net Worth Ratio

risk

Value: 8.33%

Peer Avg: -

#70 of 76 Bottom 9.2% in 3B-5B tier

Efficiency Ratio

profitability

Value: 83.18%

Peer Avg: -

#69 of 76 Bottom 10.5% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 54.13%

Peer Avg: -

#68 of 76 Bottom 11.8% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 0.33%

Peer Avg: -

#66 of 76 Bottom 14.5% in 3B-5B tier