QUAY SCHOOLS
Charter #14758 | NM
<100M
(2596 CUs)
Micro
($0-$500M)
22 <100M in NM
QUAY SCHOOLS has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.03% above tier average
- + Net Interest Margin 0.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 6.8% in tier
- + Loan-to-Share Ratio: Top 7.2% in tier
- + AMR Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.73% above tier (higher cost structure)
- - Member decline: -2.3% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,141
-2.3% YoY0% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
32nd in tier |
| Assets |
$8.2M
+2.7% YoY-0.0% QoQ
|
$-21.6M |
$29.9M
+1.1% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
28th in tier |
| Loans |
$6.2M
+13.9% YoY+8.2% QoQ
|
$-9.6M |
$15.8M
-2.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
39th in tier |
| Deposits |
$6.5M
+2.1% YoY-0.5% QoQ
|
$-19.0M |
$25.5M
+0.4% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
28th in tier |
| ROA |
0.7%
-4.8% YoY+36.8% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
47th in tier |
| NIM |
4.2%
-2.9% YoY+3.1% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
64th in tier |
| Efficiency Ratio |
85.1%
+1.0% YoY-3.8% QoQ
|
+3.7% |
81.4%
-2.4% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
67th in tier |
| Delinquency Rate |
0.2%
-80.7% YoY-63.2% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
28th in tier |
| Loan To Share |
94.8%
+11.6% YoY+8.8% QoQ
|
+33.6% |
61.2%
-3.0% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Top 7.4% in tier |
| AMR |
$11,093
+10.1% YoY+3.6% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
34th in tier |
| CD Concentration |
30.2%
-7.8% YoY+2.8% QoQ
|
+5.8% |
24.4%
+4.2% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
177
Loan Growth Rate
growth
Value:
13.93%
Peer Avg: 59.01%
#177 of 2596
Top 6.8% in <100M tier
187
Loan-to-Share Ratio
balance_sheet
Value:
94.79%
Peer Avg: 61.23%
#187 of 2596
Top 7.2% in <100M tier
246
AMR Growth Rate
growth
Value:
10.06%
Peer Avg: 4.67%
#246 of 2596
Top 9.4% in <100M tier
583
Net Worth Ratio
risk
Value:
19.92%
Peer Avg: 16.43%
#583 of 2596
Top 22.4% in <100M tier
Top Weaknesses (1 metrics)
2160
Share Certificate Concentration (%)
balance_sheet
Value:
30.25%
Peer Avg: 15.37%
#2160 of 2596
Bottom 16.8% in <100M tier