BlastPoint's Credit Union Scorecard

QUORUM

Charter #22769 · NY

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 12 in NY

View Mid-Market leaderboard →

QUORUM has 8 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 2.7% in tier
+ Organic Growth Engine: Top 4.0% in tier
+ Organic Growth Leader: Top 4.0% in tier
+ ROA 0.99% above tier average
+ Strong member growth: 14.9% YoY
+ Fee Income Per Member: Top 2.7% in tier
+ Efficiency Ratio: Top 3.0% in tier
+ Member Growth Rate: Top 3.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 25.6% in tier
- Shrinking Wallet Share: Bottom 83.9% in tier
- Delinquency rate 0.88% above tier average
- Total Delinquency Rate (60+ days): Bottom 6.0% in tier

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 300 credit unions with $1B-$3B in assets nationally, and 1 of 12 that size in New York.
Shares and deposits +8.2% year over year ($1.10B in shares and deposits).
Membership: 79,668 members, +14.9% vs a year ago.
Delinquency rate 1.74%.
Return on assets 1.81%.
Efficiency ratio 54.63% vs a 73.02% peer average.
Loan-to-share ratio 95.75% vs a 84.71% 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 (NY)	National Avg	Tier Percentile
Members	79,668 +14.9% YoY+7.3% QoQ	-17.2K	96,861 -1.9% YoY	27,051 +5.9% YoY	34,678 +6.6% YoY	41%
Assets	$1.4B +13.2% YoY+4.6% QoQ	$-357.5M	$1.7B +0.4% YoY	$505.5M +8.1% YoY	$593.1M +10.2% YoY	35%
Loans	$1.1B +19.9% YoY+13.2% QoQ	$-179.9M	$1.2B +0.7% YoY	$338.7M +9.1% YoY	$418.6M +10.1% YoY	42%
Deposits	$1.1B +8.2% YoY-1.5% QoQ	$-362.1M	$1.5B +0.5% YoY	$431.4M +8.2% YoY	$504.8M +10.3% YoY	30%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.8% +74.3% YoY+1.1% QoQ	+1.0%	0.8% +27.6% YoY	1.2% +60.1% YoY	1.2% +121.4% YoY	Top 2.7% in tier
NIM	3.2% +23.7% YoY+26.8% QoQ	-0.2%	3.4% +6.6% YoY	3.6% -0.3% YoY	3.8% +2.3% YoY	34%
Efficiency Ratio	54.6% -20.2% YoY-8.3% QoQ	-18.4%	73.0% -2.7% YoY	80.5% +0.8% YoY	83.0% -5.3% YoY	Top 3.0% in tier
Delinquency Rate	1.7% -1.6% YoY-10.5% QoQ	+0.9	0.9% +7.3% YoY	1.7% -18.0% YoY	1.3% +2.6% YoY	Bottom 6.0% in tier
Loan To Share	95.7% +10.8% YoY+14.8% QoQ	+11.0%	84.7% +0.1% YoY	59.8% -1.2% YoY	66.4% -1.4% YoY	78%
AMR	$27,057 -1.1% YoY-1.9% QoQ	$-3K	$29,575 +1.5% YoY	$19,620 +2.7% YoY	$20,028 -0.9% YoY	42%
CD Concentration	31.5% -8.5% YoY-4.0% QoQ	+2.4%	29.1%	16.4%	20.0%	64%
Indirect Auto %	1.2% -57.5% YoY-26.8% QoQ	-16.9%	18.1%	2.7%	7.7%	18%

Signature Analysis

Strengths (3)

Emerging Performer

growth

#1 of 82 • Top 2.7% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.81%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Member Growth (YoY): 14.86%

(Tier: 3.16%, National: 15.67%)

better than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | Rank improving

Organic Growth Engine

growth

#1 of 113 • Top 4.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 14.86%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 1.81%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 1.23%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Organic Growth Leader

growth

#8 of 112 • Top 4.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 14.86%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 1.23%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank improving

Concerns (2)

Liquidity Strain

risk

#54 of 168 • Bottom 25.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 95.75%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 19.94%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#61 of 69 • Bottom 83.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.05%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | New qualifier

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (10 metrics)

Return on Assets (ROA)

profitability

Value: 1.81%

Peer Median: 0.77%

#8 of 300 Top 2.3% in 1B-3B tier

Fee Income Per Member

profitability

Value: $392.05

Peer Median: $204.73

#9 of 300 Top 2.7% in 1B-3B tier

Efficiency Ratio

profitability

Value: 54.63%

Peer Median: 73.62%

#10 of 300 Top 3.0% in 1B-3B tier

Member Growth Rate

growth

Value: 14.86%

Peer Median: 1.84%

#10 of 300 Top 3.0% in 1B-3B tier

Loan Growth Rate

growth

Value: 19.94%

Peer Median: 5.71%

#10 of 300 Top 3.0% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 479.928

Peer Median: 346.173

#24 of 300 Top 7.7% in 1B-3B tier

Asset Growth Rate

growth

Value: 13.16%

Peer Median: 5.21%

#27 of 300 Top 8.7% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.23%

Peer Median: 14.26%

#59 of 300 Top 19.3% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.75%

Peer Median: 87.07%

#66 of 300 Top 21.7% in 1B-3B tier

Deposit Growth Rate

growth

Value: 8.23%

Peer Median: 4.79%

#70 of 300 Top 23.0% in 1B-3B tier

Top Weaknesses (2 metrics)

283

Total Delinquency Rate (60+ days)

risk

Value: 1.74%

Peer Median: 0.70%

#283 of 300 Bottom 6.0% in 1B-3B tier

250

AMR Growth Rate

growth

Value: -1.05%

Peer Median: 3.19%

#250 of 300 Bottom 17.0% in 1B-3B tier