PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Affinity

Basking Ridge, NJ · Charter 857

NCUA · 22 branches

Q2 2026

$4.4BAssets
$3.9BLoans
$3.8BShares
$354.1MNet 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 0.21%, down 28 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.93% of loans (+3 bps YoY).
  • Capital: net worth / assets of 8.14%, down 33 bps from a year ago.
  • Funding: loans stand at 102.57% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.21%-28 bps YoY

Net Interest Margin (YTD, annualized)

2.89%+5 bps YoY

Efficiency Ratio (YTD, annualized)

86.16%+595 bps YoY

Net Worth / Assets

8.14%-33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.32%0.22%0.19%0.21%-28 bps
Return on Equity5.78%4.00%2.77%2.39%2.57%-321 bps
Net Interest Margin2.84%2.75%2.71%2.80%2.89%+5 bps
Efficiency Ratio80.21%83.18%85.52%86.54%86.16%+595 bps
Growth
Asset Growth (YoY)0.53%4.75%6.67%3.97%5.34%+480 bps
Loan Growth (YoY)1.40%5.69%9.14%10.89%5.84%+443 bps
Share Growth (YoY)1.66%2.81%5.21%6.28%5.85%+419 bps
Asset Quality
Delinquent Loans / Loans0.89%0.93%0.92%0.72%0.93%+3 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 Capital8.46%8.11%7.91%7.99%8.14%-33 bps
Net Worth / Assets8.46%8.11%7.91%7.99%8.14%-33 bps
Liquidity & Funding
Loans / Shares102.58%105.18%104.26%101.36%102.57%-1 bps
Liquid Assets / Assets99.75%0.00%0.00%0.00%0.00%-9,975 bps