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
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 83% of credit unions under $1B in assets in NY (rank 11 of 59).
- Widest gap: efficiency ratio trails 85% of credit unions under $1B in assets in NY (rank 51 of 59).
- Overall: at or above the peer median on 2 of 7 directional measures.
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.25% | 0.28% | 1.01% | 1.42% | Beats 22% | 46 / 59 | |
| Return on Equity | 2.31% | 2.31% | 7.92% | 10.52% | Beats 24% | 45 / 59 | |
| Net Interest Margin | 4.00% | 3.24% | 3.66% | 4.04% | Beats 69% | 18 / 59 | |
| Efficiency Ratio | 91.21% | 63.53% | 74.15% | 82.44% | Beats 15% | 51 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.32% | 0.68% | 1.20% | Beats 83% | 11 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.81% | 10.94% | 13.05% | 16.06% | Beats 22% | 46 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.81% | 10.94% | 13.05% | 16.06% | Beats 22% | 46 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 62.18% | 40.49% | 57.59% | 78.86% | 56th pctl | 26 / 59 | |
| Loans / Assets | 56.28% | 33.06% | 50.92% | 63.03% | 61st pctl | 23 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |