PackageTrendsPeer
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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

Executive Summary

  • Earnings: ROA of 0.25%, down 6 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.12% of loans (-10 bps YoY).
  • Capital: net worth / assets of 10.81%, up 46 bps from a year ago.
  • Funding: loans stand at 62.18% of shares as of Q2 2026.

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
Earnings
Return on Assets0.31%0.48%0.50%0.43%0.25%-6 bps
Return on Equity3.02%4.47%4.62%3.97%2.30%-72 bps
Net Interest Margin3.64%3.84%3.88%3.89%3.99%+35 bps
Efficiency Ratio89.29%87.12%87.38%87.89%91.31%+202 bps
Growth
Asset Growth (YoY)1.46%-0.09%1.68%1.56%-0.01%-147 bps
Loan Growth (YoY)-2.41%-5.71%-6.59%-6.90%-4.80%-239 bps
Share Growth (YoY)1.20%-0.55%1.22%1.34%-0.19%-139 bps
Asset Quality
Delinquent Loans / Loans0.22%0.24%0.79%0.10%0.12%-10 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 Capital10.34%10.82%10.92%10.80%10.81%+46 bps
Net Worth / Assets10.34%10.82%10.92%10.80%10.81%+46 bps
Liquidity & Funding
Loans / Shares65.19%65.98%64.99%61.49%62.18%-301 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps