PAUL QUINN
Charter #23658 | NY
<100M
(2596 CUs)
Micro
($0-$500M)
188 <100M in NY
PAUL QUINN has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.26% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 9.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Loans: Bottom 1.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.5% in tier
- - Loan-to-Share Ratio: Bottom 1.5% in tier
- - Loan Growth Rate: Bottom 1.7% in tier
- - Total Assets: Bottom 2.1% in tier
- - Total Deposits: Bottom 2.1% in tier
- - Average Member Relationship (AMR): Bottom 2.4% in tier
- - Total Members: Bottom 3.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
150
-2.0% YoY0% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 2.9% in tier |
| Assets |
$352,506
+5.1% YoY+4.3% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.0% in tier |
| Loans |
$19,154
-38.5% YoY-4.3% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.3% in tier |
| Deposits |
$243,695
+5.8% YoY+6.1% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.1% in tier |
| ROA |
0.9%
-61.7% YoY-38.1% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
59th in tier |
| NIM |
3.3%
-19.2% YoY-19.2% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
26th in tier |
| Efficiency Ratio |
72.1%
+74.0% YoY+13.8% QoQ
|
-9.3% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
35th in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
7.9%
-41.9% YoY-9.8% QoQ
|
-53.4% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.3% in tier |
| AMR |
$1,752
+2.5% YoY+5.2% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.3% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
234
Net Worth Ratio
risk
Value:
26.57%
Peer Avg: 16.43%
#234 of 2596
Top 9.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
531
Deposit Growth Rate
growth
Value:
5.79%
Peer Avg: 16.80%
#531 of 2596
Top 20.4% in <100M tier
648
Asset Growth Rate
growth
Value:
5.14%
Peer Avg: 1.82%
#648 of 2596
Top 24.9% in <100M tier
Top Weaknesses (10 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2563
Total Loans
balance_sheet
Value:
$19,154
Peer Avg: $15.77M
#2563 of 2596
Bottom 1.3% in <100M tier
2559
Loan-to-Member Ratio (LMR)
engagement
Value:
$127.69
Peer Avg: $5,488
#2559 of 2596
Bottom 1.5% in <100M tier
2557
Loan-to-Share Ratio
balance_sheet
Value:
7.86%
Peer Avg: 61.23%
#2557 of 2596
Bottom 1.5% in <100M tier
2552
Loan Growth Rate
growth
Value:
-38.51%
Peer Avg: 59.01%
#2552 of 2596
Bottom 1.7% in <100M tier
2543
Total Assets
balance_sheet
Value:
$352,506
Peer Avg: $29.86M
#2543 of 2596
Bottom 2.1% in <100M tier
2542
Total Deposits
balance_sheet
Value:
$243,695
Peer Avg: $25.45M
#2542 of 2596
Bottom 2.1% in <100M tier
2535
Average Member Relationship (AMR)
engagement
Value:
$1,752
Peer Avg: $14,627
#2535 of 2596
Bottom 2.4% in <100M tier
2518
Total Members
engagement
Value:
150
Peer Avg: 2,626
#2518 of 2596
Bottom 3.0% in <100M tier
2320
Fee Income Per Member
profitability
Value:
$2.40
Peer Avg: $182.96
#2320 of 2596
Bottom 10.7% in <100M tier