PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Affidian

Denver, CO · Charter 2847

NCUA · 3 branches

Q2 2026

$360.1MAssets
$238.9MLoans
$290.1MShares
$67.9MNet 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 1.45%, down 30 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.85% of loans (+6 bps YoY).
  • Capital: net worth / assets of 18.85%, up 46 bps from a year ago.
  • Funding: loans stand at 82.34% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.45%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.28%-17 bps YoY

Efficiency Ratio (YTD, annualized)

71.49%+591 bps YoY

Net Worth / Assets

18.85%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.75%1.48%1.21%0.54%1.45%-30 bps
Return on Equity9.53%8.02%6.67%2.98%7.71%-183 bps
Net Interest Margin3.45%3.42%3.34%3.22%3.28%-17 bps
Efficiency Ratio65.58%70.13%73.41%85.70%71.49%+591 bps
Growth
Asset Growth (YoY)4.84%5.42%5.99%2.64%3.47%-137 bps
Loan Growth (YoY)0.27%3.03%0.07%2.10%5.17%+490 bps
Share Growth (YoY)2.83%4.71%5.58%1.64%3.01%+17 bps
Asset Quality
Delinquent Loans / Loans0.79%0.85%0.93%0.98%0.85%+6 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 Capital18.38%18.46%18.20%18.07%18.85%+46 bps
Net Worth / Assets18.38%18.46%18.20%18.07%18.85%+46 bps
Liquidity & Funding
Loans / Shares80.64%83.42%80.36%80.12%82.34%+170 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps