BlastPoint's Credit Union Scorecard

AFFINITY

Charter #857 · NJ

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

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 37.6% in tier
  • + Organic Growth Engine: Top 67.1% in tier
  • + Total Loans: Top 2.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 7.9% in tier
  • - Efficiency Drag: Bottom 38.2% in tier
  • - ROA 0.49% below tier average
  • - Efficiency ratio 14.11% above tier (higher cost structure)
  • - Delinquency rate 0.05% above tier average
  • - Net Worth Ratio: Bottom 7.9% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Members 242,194
+4.8% YoY+0.7% QoQ
 +11.8K 230,353
-2.9% YoY
 7,445
+8.1% YoY
 33,374
+5.7% YoY
 64%
Assets $4.4B
+6.7% YoY+2.3% QoQ
 +$478.3M $3.9B
+0.3% YoY
 $121.0M
+10.8% YoY
 $561.6M
+9.7% YoY
 72%
Loans $3.9B
+9.1% YoY+2.2% QoQ
 +$992.4M $2.9B
-0.2% YoY
 $75.4M
+12.2% YoY
 $397.0M
+8.8% YoY
 Top 3.9% in tier
Deposits $3.8B
+5.2% YoY+3.1% QoQ
 +$456.3M $3.3B
-0.3% YoY
 $102.3M
+10.2% YoY
 $477.3M
+9.7% YoY
 82%

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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%
+62.7% YoY-33.1% QoQ
 -0.5% 0.7%
+16.8% YoY
 0.5%
+267.0% YoY
 0.7%
+15.9% YoY
 Bottom 9.2% in tier
NIM 2.7%
+8.0% YoY-2.6% QoQ
 -0.4% 3.1%
+9.8% YoY
 3.7%
+5.0% YoY
 3.8%
+5.1% YoY
 25%
Efficiency Ratio 85.5%
-2.6% YoY+2.8% QoQ
 +14.1% 71.4%
-1.4% YoY
 84.3%
-19.5% YoY
 79.7%
-3.3% YoY
 Top 7.9% in tier
Delinquency Rate 0.9%
-23.1% YoY-0.2% QoQ
 +0.0 0.9%
+5.8% YoY
 1.7%
-6.9% YoY
 1.3%
-2.1% YoY
 68%
Loan To Share 104.3%
+3.7% YoY-0.9% QoQ
 +15.3% 88.9%
-0.2% YoY
 53.4%
-2.5% YoY
 67.4%
-1.7% YoY
 Top 11.8% in tier
AMR $31,771
+2.2% YoY+2.0% QoQ
 +$2K $29,682
+1.5% YoY
 $16,460
+2.2% YoY
 $19,687
+2.0% YoY
 70%
CD Concentration 30.9%
+2.5% YoY+2.5% QoQ
 +1.9% 29.0% 14.4% 19.8% 60%
Indirect Auto % 6.5%
-15.3% YoY-14.8% QoQ
 -11.8% 18.3% 1.0% 7.8% 29%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#54 of 142 • Top 37.6% in tier

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

Why This Signature
Member Growth (YoY): 4.82%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Indirect Auto %: 6.51%
(Tier: 18.31%, National: 7.78%)
better than tier avg
142 of 378 Mid-Market CUs have this signature | 609 nationally
→ No prior data (142 CUs now) | New qualifier

Organic Growth Engine

growth
#166 of 247 • Top 67.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.82%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Return on Assets: 0.22%
(Tier: 0.69%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 6.51%
(Tier: 18.31%, National: 7.78%)
better than tier avg
247 of 378 Mid-Market CUs have this signature | 913 nationally
→ No prior data (247 CUs now) | New qualifier

Concerns (2)

Liquidity Strain

risk
#14 of 166 • Bottom 7.9% in tier

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

Why This Signature
Loan-to-Share Ratio: 104.26%
(Tier: 85.73%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 9.14%
(Tier: 6.38%, National: 111.96%)
but better than tier avg
166 of 378 Mid-Market CUs have this signature | 439 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Efficiency Drag

risk
#35 of 90 • Bottom 38.2% in tier

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

Why This Signature
Efficiency Ratio: 85.52%
(Tier: 73.53%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.09% points
(Tier: 0.12% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 4.82%
(Tier: 3.43%, National: 4.32%)
but better than tier avg
90 of 378 Mid-Market CUs have this signature | 633 nationally
↓ Shrinking -36 CUs YoY | Rank improving

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 76 peers in tier

Top Strengths (5 metrics)

3
Total Loans
balance_sheet
Value: $3.93B
Peer Median: -
#3 of 76 Top 2.6% in 3B-5B tier
9
Loan-to-Share Ratio
balance_sheet
Value: 104.26%
Peer Median: -
#9 of 76 Top 10.5% in 3B-5B tier
14
Total Deposits
balance_sheet
Value: $3.77B
Peer Median: -
#14 of 76 Top 17.1% in 3B-5B tier
17
Indirect Auto Concentration (%)
balance_sheet
Value: 6.51%
Peer Median: -
#17 of 76 Top 21.1% in 3B-5B tier
20
Loan-to-Member Ratio (LMR)
engagement
Value: $16,217
Peer Median: -
#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (4 metrics)

71
Efficiency Ratio
profitability
Value: 85.52%
Peer Median: -
#71 of 76 Bottom 7.9% in 3B-5B tier
71
Net Worth Ratio
risk
Value: 8.17%
Peer Median: -
#71 of 76 Bottom 7.9% in 3B-5B tier
69
Return on Assets (ROA)
profitability
Value: 0.22%
Peer Median: -
#69 of 76 Bottom 10.5% in 3B-5B tier
69
First Mortgage Concentration (%)
balance_sheet
Value: 54.79%
Peer Median: -
#69 of 76 Bottom 10.5% in 3B-5B tier
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