BlastPoint's Credit Union Scorecard
QUEST
Charter #19508 · OH
QUEST has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Net Interest Margin 0.28% above tier average
- + Deposit Growth Rate: Top 3.2% in tier
- + Asset Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency ratio 6.81% above tier (higher cost structure)
- - Delinquency rate 0.17% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,800
+2.7% YoY-0.1% QoQ
|
+1.4K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$232.3M
+15.0% YoY+8.8% QoQ
|
+$405K |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$152.1M
+9.6% YoY+2.6% QoQ
|
+$4.7M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$211.2M
+15.9% YoY+9.1% QoQ
|
+$10.4M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
0.7%
-9.6% YoY+6.0% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
3.9%
-10.8% YoY-2.3% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
83.8%
+4.9% YoY-0.6% QoQ
|
+6.8% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
1.1%
+19.5% YoY+26.2% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
72.0%
-5.4% YoY-6.0% QoQ
|
-0.2% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$21,625
+10.2% YoY+6.4% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
15.1%
+27.2% YoY-0.3% QoQ
|
-9.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
6.1%
-4.6% YoY-3.7% QoQ
|
-7.7% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). 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.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)