BlastPoint's Credit Union Scorecard
QUORUM
Charter #22769 · NY
QUORUM has 8 strengths but faces 2 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 3.7% in tier
- + Emerging Performer: Top 6.6% in tier
- + Wallet Share Momentum: Top 15.6% in tier
- + Organic Growth Leader: Top 36.2% in tier
- + ROA 0.69% above tier average
- + Fee Income Per Member: Top 0.7% in tier
- + Loan Growth Rate: Top 2.6% in tier
- + AMR Growth Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.10% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
71,142
+5.0% YoY+2.8% QoQ
|
-26.3K |
97,431
-2.4% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$1.3B
+11.9% YoY+3.7% QoQ
|
$-454.5M |
$1.7B
+0.9% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$912.6M
+27.2% YoY+2.1% QoQ
|
$-321.8M |
$1.2B
+0.5% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$1.1B
+11.1% YoY+3.1% QoQ
|
$-374.6M |
$1.5B
+0.9% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
1.4%
+104.4% YoY+32.4% QoQ
|
+0.7% |
0.7%
+20.9% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Top 7.0% in tier |
| NIM |
2.6%
-7.8% YoY+0.0% QoQ
|
-0.7% |
3.3%
+9.2% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.2% in tier |
| Efficiency Ratio |
64.0%
-18.0% YoY-4.5% QoQ
|
-10.1% |
74.1%
-9.5% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.6% in tier |
| Delinquency Rate |
2.0%
-15.5% YoY+8.9% QoQ
|
+1.1 |
0.9%
+6.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 4.6% in tier |
| Loan To Share |
84.1%
+14.5% YoY-1.0% QoQ
|
-0.7% |
84.8%
-0.8% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$28,076
+12.4% YoY-0.1% QoQ
|
$-1K |
$29,428
+2.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
53% |
| CD Concentration |
36.4%
+4.4% YoY-0.4% QoQ
|
+7.4% | 29.0% | 16.3% | 19.8% | 81% |
| Indirect Auto % |
2.0%
-56.2% YoY-16.3% QoQ
|
-16.3% | 18.3% | 2.6% | 7.8% | 19% |
Signature Analysis
Strengths (4)
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.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)