AFFIDIAN
Charter #2847 · Denver, CO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.07% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.24% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 1.89% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.21% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 85.70% sits at the 80th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | AFFIDIAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $362.51M | 84th pct | 61th pct |
| Members | 14,217 | 55th pct | 30th pct |
| Net worth ratio | 18.07% | 95th pct | 95th pct |
| Return on average assets | 0.54% | 39th pct | 33th pct |
| Net interest margin | 3.24% | 25th pct | 11th pct |
| Cost of funds | 1.89% | 85th pct | 84th pct |
| Loan-to-share | 80.12% | 69th pct | 67th pct |
| Delinquency 60+ days | 0.98% | 75th pct | 74th pct |
| Net charge-off ratio | 0.21% | 32th pct | 18th pct |
| Loan growth YoY | -0.47% | 42th pct | 41th pct |
| Share growth YoY | 3.63% | 53th pct | 62th pct |
| Efficiency ratio | 85.70% | 74th pct | 80th pct |
structural peer set hash: 74ae45cbfd1e89a5e14163894f8892ac… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.