Affinity One

JAMESTOWN, NY · 1 · Charter #5785 · www.affinityonefcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$44.7M
95th percentile
Members
3,273
88th percentile
Total loans
$26.0M
95th percentile
Total shares
$40.0M
98th percentile

Profitability

Return on assets
0.61%
41th percentile
Net interest margin
3.88%
46th percentile
Efficiency ratio
82.89%
20th percentile
Non-interest income ratio
19.12%
81th percentile

Capital & Risk

Net worth ratio
10.92%
22th percentile
Delinquency rate
0.79%
47th percentile
Net charge-off rate
0.18%
53th percentile
Loan-to-share
64.99%
56th percentile

Growth

Member growth YoY
-2.62%
37th percentile
Asset growth YoY
1.68%
54th percentile
Loan growth YoY
-6.59%
35th percentile
Share growth YoY
1.22%
55th percentile

Operations

Members / branch
1,637
69th percentile
Assets / member
$13,659
80th percentile
Field of membership penetration
6.55%
20th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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