BlastPoint's Credit Union Scorecard
QUORUM
Charter #22769 · NY
QUORUM has 10 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 11.9% in tier
- + Wallet Share Momentum: Top 12.2% in tier
- + Organic Growth Leader: Top 23.7% in tier
- + Emerging Performer: Top 56.3% in tier
- + Profitability Leader: Top 88.3% in tier
- + ROA 0.33% above tier average
- + Fee Income Per Member: Top 1.3% in tier
- + Loan Growth Rate: Top 3.3% in tier
- + AMR Growth Rate: Top 3.6% in tier
- + Asset Growth Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.01% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
69,218
+2.1% YoY-0.2% QoQ
|
-29.5K |
98,678
-1.9% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
25% |
| Assets |
$1.2B
+11.8% YoY+1.4% QoQ
|
$-495.4M |
$1.7B
+0.5% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
24% |
| Loans |
$893.8M
+22.2% YoY+1.7% QoQ
|
$-339.2M |
$1.2B
+0.5% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
26% |
| Deposits |
$1.1B
+11.3% YoY+3.4% QoQ
|
$-402.2M |
$1.5B
+1.3% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
24% |
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| ROA |
1.0%
+89.1% YoY-0.1% QoQ
|
+0.3% |
0.7%
+13.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
2.6%
-13.3% YoY-0.6% QoQ
|
-0.7% |
3.3%
+9.3% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
67.0%
-17.4% YoY-2.2% QoQ
|
-7.0% |
74.0%
-10.9% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
23% |
| Delinquency Rate |
1.8%
-17.4% YoY+3.4% QoQ
|
+1.0 |
0.8%
+6.1% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 5.3% in tier |
| Loan To Share |
85.0%
+9.7% YoY-1.7% QoQ
|
-0.2% |
85.2%
-0.8% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
41% |
| AMR |
$28,114
+13.6% YoY+2.8% QoQ
|
$-1K |
$29,172
+2.8% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
55% |
| CD Concentration |
36.5%
+8.2% YoY+6.0% QoQ
|
+7.6% |
29.0%
+0.7% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
82% |
| Indirect Auto % |
2.4%
-52.8% YoY-16.5% QoQ
|
-16.4% |
18.8%
-3.0% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
21% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
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)