AFFINITY ONE
Charter #5785 · JAMESTOWN, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.10% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 61st — a 20-point gap showing why the peer definition matters.
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 | AFFINITY ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $45.64M | 93th pct | 79th pct |
| Members | 3,258 | 81th pct | 61th pct |
| Net worth ratio | 10.80% | 25th pct | 38th pct |
| Return on average assets | 0.43% | 38th pct | 28th pct |
| Net interest margin | 3.93% | 55th pct | 54th pct |
| Cost of funds | 0.30% | 20th pct | 26th pct |
| Loan-to-share | 61.49% | 57th pct | 57th pct |
| Delinquency 60+ days | 0.10% | 22th pct | 20th pct |
| Net charge-off ratio | 0.08% | 45th pct | 33th pct |
| Loan growth YoY | -4.28% | 36th pct | 26th pct |
| Share growth YoY | 2.71% | 52th pct | 51th pct |
| Efficiency ratio | 87.89% | 69th pct | 67th pct |
structural peer set hash: 10960aa3bd6ef15b4ac24871003296c3… (reproducible)
Closest structural peers
This is the free public view
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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.