BlastPoint's Credit Union Scorecard
QUORUM
Charter #22769 · NY
QUORUM has 8 strengths but faces 5 concerns
How does the industry compare?
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How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 1.8% in tier
- + Organic Growth Engine: Top 8.9% in tier
- + Organic Growth Leader: Top 8.9% in tier
- + ROA 1.08% above tier average
- + Strong member growth: 8.8% YoY
- + Fee Income Per Member: Top 1.6% in tier
- + Efficiency Ratio: Top 5.9% in tier
- + Loan Growth Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8.4% in tier
- - Credit Quality Pressure: Bottom 12.6% in tier
- - Delinquency rate 1.19% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.3% in tier
- - Net Interest Margin (NIM): Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,268
+8.8% YoY+4.4% QoQ
|
-21.8K |
96,048
-2.7% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$1.3B
+12.2% YoY+2.9% QoQ
|
$-413.7M |
$1.7B
+0.4% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$931.8M
+14.8% YoY+2.1% QoQ
|
$-281.9M |
$1.2B
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
31% |
| Deposits |
$1.1B
+11.0% YoY+3.0% QoQ
|
$-348.0M |
$1.5B
+0.5% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
30% |
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| ROA |
1.8%
+106.3% YoY+30.4% QoQ
|
+1.1% |
0.7%
+27.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 2.3% in tier |
| NIM |
2.6%
+0.5% YoY-1.9% QoQ
|
-0.8% |
3.4%
+6.2% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.8% in tier |
| Efficiency Ratio |
59.6%
-20.1% YoY-6.9% QoQ
|
-15.1% |
74.6%
-3.0% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 5.9% in tier |
| Delinquency Rate |
1.9%
+16.7% YoY-2.3% QoQ
|
+1.2 |
0.8%
+6.9% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.3% in tier |
| Loan To Share |
83.4%
+3.4% YoY-0.9% QoQ
|
+0.2% |
83.2%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
44% |
| AMR |
$27,594
+3.6% YoY-1.7% QoQ
|
$-2K |
$29,652
+2.3% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
46% |
| CD Concentration |
32.8%
-1.8% YoY-9.8% QoQ
|
+4.0% | 28.8% | 16.4% | 19.8% | 67% |
| Indirect Auto % |
1.7%
-53.4% YoY-17.0% QoQ
|
-16.4% | 18.1% | 2.6% | 7.7% | 19% |
Signature Analysis
Strengths (3)
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.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)