PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Affinity

Des Moines, IA · Charter 62829

NCUA · 2 branches

Q2 2026

$154.3MAssets
$109.5MLoans
$133.8MShares
$18.8MNet 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 0.65%, up 25 bps year over year; NIM at 4.56%.
  • Asset quality: problem loans at 0.35% of loans (-48 bps YoY).
  • Capital: net worth / assets of 12.15%, up 14 bps from a year ago.
  • Funding: loans stand at 81.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%+25 bps YoY

Net Interest Margin (YTD, annualized)

4.56%+33 bps YoY

Efficiency Ratio (YTD, annualized)

83.03%-723 bps YoY

Net Worth / Assets

12.15%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.38%0.48%1.09%0.65%+25 bps
Return on Equity3.33%3.11%3.91%8.84%5.36%+203 bps
Net Interest Margin4.23%4.36%4.40%4.59%4.56%+33 bps
Efficiency Ratio90.26%87.88%85.12%76.16%83.03%-723 bps
Growth
Asset Growth (YoY)0.43%2.22%0.31%-1.08%3.01%+258 bps
Loan Growth (YoY)-0.37%0.87%2.34%2.96%6.80%+717 bps
Share Growth (YoY)0.17%1.51%-0.60%-2.00%2.67%+251 bps
Asset Quality
Delinquent Loans / Loans0.83%0.73%0.71%0.57%0.35%-48 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 Capital12.02%12.18%12.24%12.30%12.15%+14 bps
Net Worth / Assets12.02%12.18%12.24%12.30%12.15%+14 bps
Liquidity & Funding
Loans / Shares78.72%81.02%81.98%81.32%81.88%+316 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps