PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Affinity Plus

Saint Paul, MN · Charter 24362

NCUA · 35 branches

Q2 2026

$5.0BAssets
$3.8BLoans
$4.3BShares
$443.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.18%, up 53 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.57% of loans (-4 bps YoY).
  • Capital: net worth / assets of 8.78%, up 15 bps from a year ago.
  • Funding: loans stand at 88.82% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.18%+53 bps YoY

Net Interest Margin (quarter, annualized)

3.48%-10 bps YoY

Efficiency Ratio (quarter, annualized)

66.17%-594 bps YoY

Net Worth / Assets

8.78%+15 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.79%0.92%1.05%1.18%+53 bps
Return on Equity7.55%9.16%10.85%12.45%13.44%+588 bps
Net Interest Margin3.59%3.49%3.41%3.40%3.48%-10 bps
Efficiency Ratio72.11%70.58%68.28%68.24%66.17%-594 bps
Growth
Asset Growth (YoY)6.84%11.17%12.94%12.21%12.31%+547 bps
Loan Growth (YoY)-0.70%0.29%0.96%4.92%4.28%+498 bps
Share Growth (YoY)7.53%9.00%10.20%9.10%9.45%+192 bps
Asset Quality
Delinquent Loans / Loans0.61%0.62%0.68%0.56%0.57%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.64%8.58%8.47%8.45%8.78%+15 bps
Net Worth / Assets8.64%8.58%8.47%8.45%8.78%+15 bps
Liquidity & Funding
Loans / Shares93.22%90.77%89.41%88.14%88.82%-440 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps