BlastPoint's Credit Union Scorecard
QSIDE
Charter #3947 · NY
QSIDE demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.94% above tier average
- + Net Interest Margin 3.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 6.0% in tier
- + Members Per Employee (MPE): Top 9.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,836
-0.5% YoY-1.0% QoQ
|
+4.2K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 6.1% in tier |
| Assets |
$51.5M
-1.4% YoY+0.2% QoQ
|
+$21.4M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$33.0M
-0.8% YoY-0.6% QoQ
|
+$17.2M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
85% |
| Deposits |
$45.1M
+1.2% YoY-0.6% QoQ
|
+$19.5M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
1.6%
+149.8% YoY+0.5% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 14.6% in tier |
| NIM |
7.2%
+36.5% YoY+7.6% QoQ
|
+3.2% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 1.0% in tier |
| Efficiency Ratio |
67.7%
-16.6% YoY+1.6% QoQ
|
-14.8% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
23% |
| Delinquency Rate |
0.8%
+55.0% YoY+84.1% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
73.1%
-1.9% YoY-0.1% QoQ
|
+12.5% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$11,433
+0.8% YoY+0.4% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
11.4%
+5.7% YoY-0.0% QoQ
|
-13.1% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)