BlastPoint's Credit Union Scorecard
QUEST
Charter #19508 · OH
QUEST has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.27% above tier average
- + Deposit Growth Rate: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.16% below tier average
- - Efficiency ratio 9.69% above tier (higher cost structure)
- - Delinquency rate 0.06% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 40 that size in Ohio.
- Shares and deposits +9.7% year over year ($216M in shares and deposits).
- Membership: 17,129 members, +3.1% vs a year ago.
- Delinquency rate 0.94%.
- Return on assets 0.70%.
- Efficiency ratio 86.43% vs a 76.73% peer average.
- Loan-to-share ratio 74.03% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,129
+3.1% YoY+1.2% QoQ
|
+2.0K |
15,168
-2.6% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
67% |
| Assets |
$237.5M
+9.4% YoY-1.9% QoQ
|
+$5.5M |
$232.0M
+0.7% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$159.7M
+8.6% YoY+3.8% QoQ
|
+$13.4M |
$146.3M
+0.2% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
65% |
| Deposits |
$215.7M
+9.7% YoY-2.2% QoQ
|
+$15.0M |
$200.7M
+0.2% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
63% |
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| ROA |
0.7%
+6.0% YoY+101.3% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
4.0%
-0.6% YoY+7.1% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
86.4%
+1.2% YoY-5.4% QoQ
|
+9.7% |
76.7%
-0.8% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
0.9%
-24.1% YoY-12.3% QoQ
|
+0.1 |
0.9%
+6.6% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
74.0%
-1.0% YoY+6.2% QoQ
|
+2.5% |
71.5%
-0.3% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$21,918
+5.9% YoY-0.9% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
43% |
| CD Concentration |
17.3%
+23.6% YoY+4.2% QoQ
|
-7.3% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % |
5.6%
-11.2% YoY-4.4% QoQ
|
-8.1% | 13.6% | 11.9% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)