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Affinity One

Jamestown, NY · Charter 5785

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in NY3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in NY (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

22

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

15

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Affinity One

Jamestown, NY · Charter 5785

NCUA · 2 branches

Q2 2026

$45.7MAssets
$25.7MLoans
$41.4MShares
$4.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Financial Results

Return on Assets (YTD, annualized)

0.25%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.99%+35 bps YoY

Efficiency Ratio (YTD, annualized)

91.31%+202 bps YoY

Net Worth / Assets

10.81%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.31%0.48%0.50%0.43%0.25%-6 bps
Net Interest Margin3.64%3.84%3.88%3.89%3.99%+35 bps
Asset Growth (YoY)1.46%-0.09%1.68%1.56%-0.01%-147 bps
Share Growth (YoY)1.20%-0.55%1.22%1.34%-0.19%-139 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Risk-Based Capital10.34%10.82%10.92%10.80%10.81%+46 bps
Loans / Shares65.19%65.98%64.99%61.49%62.18%-301 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Affinity One

Jamestown, NY · Charter 5785 · Peer group: credit unions under $1B in assets in NY (n=59)

NCUA · 2 branches

Q2 2026

$45.7MAssets
$25.7MLoans
$41.4MShares
$4.9MNet Worth

Return on Assets

0.25%

Rank 46 of 59

Net Interest Margin

4.00%

Rank 18 of 59

Efficiency Ratio

91.21%

Rank 51 of 59

Equity / Assets

10.81%

Rank 46 of 59

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Return on Assets0.25%0.28%1.01%1.42%Beats 22%46 / 59
Net Interest Margin4.00%3.24%3.66%4.04%Beats 69%18 / 59
Nonperforming Loans / Loans0.12%0.32%0.68%1.20%Beats 83%11 / 59
Tier 1 Capital Ratio10.81%10.94%13.05%16.06%Beats 22%46 / 59
Equity / Assets10.81%10.94%13.05%16.06%Beats 22%46 / 59
Loans / Assets56.28%33.06%50.92%63.03%61st pctl23 / 59