BlastPoint's Credit Union Scorecard
PAUL QUINN
Charter #23658 · NY
<100M
2508 CUs in <100M nationally
179 in NY
PAUL QUINN has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.94% above tier average
- + Loan Growth Rate: Top 2.2% in tier
- + Net Worth Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.02% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Loans: Bottom 1.8% in tier
- - Total Deposits: Bottom 1.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.9% in tier
- - Total Assets: Bottom 2.0% in tier
- - Loan-to-Share Ratio: Bottom 2.7% in tier
- - Average Member Relationship (AMR): Bottom 2.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
146
+0.7% YoY0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 2.8% in tier |
| Assets |
$358,294
+3.9% YoY+3.5% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.9% in tier |
| Loans |
$34,918
+25.9% YoY+24.0% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.7% in tier |
| Deposits |
$251,994
+5.4% YoY+4.7% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.8% in tier |
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| ROA |
1.1%
+285.8% YoY+1611.6% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
72% |
| NIM |
2.8%
-27.6% YoY+25.6% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 12.5% in tier |
| Efficiency Ratio |
60.9%
-32.7% YoY-37.4% QoQ
|
-29.7% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 13.0% in tier |
| Delinquency Rate | 5.5% | +4.0 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.2% in tier |
| Loan To Share |
13.9%
+19.5% YoY+18.4% QoQ
|
-44.6% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.6% in tier |
| AMR |
$1,965
+6.8% YoY+6.7% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.7% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
57
Loan Growth Rate
growth
Value:
25.93%
Peer Median: -2.36%
#57 of 2508
Top 2.2% in <100M tier
243
Net Worth Ratio
risk
Value:
25.79%
Peer Median: 14.28%
#243 of 2508
Top 9.6% in <100M tier
328
Efficiency Ratio
profitability
Value:
60.93%
Peer Median: 81.45%
#328 of 2508
Top 13.0% in <100M tier
442
AMR Growth Rate
growth
Value:
6.78%
Peer Median: 1.27%
#442 of 2508
Top 17.6% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
555
Deposit Growth Rate
growth
Value:
5.38%
Peer Median: 0.66%
#555 of 2508
Top 22.1% in <100M tier
Top Weaknesses (11 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2465
Total Loans
balance_sheet
Value:
$34,918
Peer Median: $9.48M
#2465 of 2508
Bottom 1.8% in <100M tier
2463
Total Deposits
balance_sheet
Value:
$251,994
Peer Median: $18.77M
#2463 of 2508
Bottom 1.8% in <100M tier
2461
Loan-to-Member Ratio (LMR)
engagement
Value:
$239.16
Peer Median: $4,923
#2461 of 2508
Bottom 1.9% in <100M tier
2460
Total Assets
balance_sheet
Value:
$358,294
Peer Median: $21.86M
#2460 of 2508
Bottom 2.0% in <100M tier
2442
Loan-to-Share Ratio
balance_sheet
Value:
13.86%
Peer Median: 58.72%
#2442 of 2508
Bottom 2.7% in <100M tier
2441
Average Member Relationship (AMR)
engagement
Value:
$1,965
Peer Median: $13,926
#2441 of 2508
Bottom 2.7% in <100M tier
2437
Total Members
engagement
Value:
146
Peer Median: 1,918
#2437 of 2508
Bottom 2.9% in <100M tier
2379
Total Delinquency Rate (60+ days)
risk
Value:
5.52%
Peer Median: 0.65%
#2379 of 2508
Bottom 5.2% in <100M tier
2357
Fee Income Per Member
profitability
Value:
$0.27
Peer Median: $60.42
#2357 of 2508
Bottom 6.1% in <100M tier