QUORUM

Charter #22769 | NY

1B-3B (304 CUs) Mid-Market (380 CUs)
13 1B-3B in NY

QUORUM has 10 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 1.9% in tier
  • + Emerging Performer: Top 7.4% in tier
  • + Organic Growth Engine: Top 11.9% in tier
  • + Relationship Depth Leader: Top 19.5% in tier
  • + Organic Growth Leader: Top 23.7% 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
 Bottom 24.7% in tier
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
 Bottom 24.0% in tier
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
 26th in tier
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
 Bottom 24.3% in tier
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
 Top 19.7% in tier
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
 Bottom 15.5% in tier
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
 Bottom 22.7% in tier
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
 41st in tier
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
 55th in tier
CD Concentration 36.5%
+8.2% YoY+6.0% QoQ
 +7.6% 29.0%
+0.8% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 Top 18.5% in tier
Indirect Auto % 2.4%
-52.8% YoY-16.5% QoQ
 -16.4% 18.8%
-2.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 Bottom 21.1% in tier

Signature Analysis

Strengths (5)

Wallet Share Momentum

growth
#15 of 264 • Top 1.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 13.65%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Emerging Performer

growth
#40 of 184 • Top 7.4% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.04%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 2.12%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#87 of 246 • Top 11.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.12%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.04%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 2.42%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Relationship Depth Leader

growth
#142 of 264 • Top 19.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 13.65%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.3K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Organic Growth Leader

growth
#94 of 138 • Top 23.7% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.12%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Concerns (0)

No concerns identified

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)

Comparing against 304 peers in tier

Top Strengths (9 metrics)

5
Fee Income Per Member
profitability
Value: $437.17
Peer Avg: $210.52
#5 of 304 Top 1.3% in 1B-3B tier
11
Loan Growth Rate
growth
Value: 22.16%
Peer Avg: 5.27%
#11 of 304 Top 3.3% in 1B-3B tier
12
AMR Growth Rate
growth
Value: 13.65%
Peer Avg: 3.29%
#12 of 304 Top 3.6% in 1B-3B tier
24
Asset Growth Rate
growth
Value: 11.80%
Peer Avg: 4.83%
#24 of 304 Top 7.6% in 1B-3B tier
34
Deposit Growth Rate
growth
Value: 11.33%
Peer Avg: 5.58%
#34 of 304 Top 10.9% in 1B-3B tier
48
Members Per Employee (MPE)
engagement
Value: 438.089
Peer Avg: 364.953
#48 of 304 Top 15.5% in 1B-3B tier
60
Return on Assets (ROA)
profitability
Value: 1.04%
Peer Avg: 0.70%
#60 of 304 Top 19.4% in 1B-3B tier
70
Efficiency Ratio
profitability
Value: 66.98%
Peer Avg: 73.97%
#70 of 304 Top 22.7% in 1B-3B tier
71
Indirect Auto Concentration (%)
balance_sheet
Value: 2.42%
Peer Avg: 18.32%
#71 of 304 Top 23.0% in 1B-3B tier

Top Weaknesses (6 metrics)

289
Total Delinquency Rate (60+ days)
risk
Value: 1.83%
Peer Avg: 0.83%
#289 of 304 Bottom 5.3% in 1B-3B tier
257
Net Interest Margin (NIM)
profitability
Value: 2.61%
Peer Avg: 3.26%
#257 of 304 Bottom 15.8% in 1B-3B tier
255
Share Certificate Concentration (%)
balance_sheet
Value: 36.54%
Peer Avg: 28.53%
#255 of 304 Bottom 16.4% in 1B-3B tier
231
Total Assets
balance_sheet
Value: $1.22B
Peer Avg: $1.72B
#231 of 304 Bottom 24.3% in 1B-3B tier
230
Total Deposits
balance_sheet
Value: $1.05B
Peer Avg: $1.45B
#230 of 304 Bottom 24.7% in 1B-3B tier
229
Total Members
engagement
Value: 69,218
Peer Avg: 98,678
#229 of 304 Bottom 25.0% in 1B-3B tier