BlastPoint's Credit Union Scorecard
QSIDE
Charter #3947 · NY
QSIDE has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.62% above tier average
- + Net Interest Margin 4.24% above tier average
- + Total Members: Top 5.5% in tier
- + Efficiency Ratio: Top 6.6% in tier
- + Members Per Employee (MPE): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 4.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits -2.5% year over year ($46.4M in shares and deposits).
- Membership: 6,829 members, -0.8% vs a year ago.
- Delinquency rate 0.42%.
- Return on assets 3.12%.
- Efficiency ratio 53.60% vs a 88.77% peer average.
- Loan-to-share ratio 69.79% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,829
-0.8% YoY-0.2% QoQ
|
+4.2K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 5.6% in tier |
| Assets |
$53.5M
+0.1% YoY-0.5% QoQ
|
+$23.2M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
79% |
| Loans |
$32.4M
-2.2% YoY+0.6% QoQ
|
+$16.9M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
85% |
| Deposits |
$46.4M
-2.5% YoY-1.8% QoQ
|
+$20.6M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
3.1%
+94.9% YoY+155.5% QoQ
|
+1.6% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Top 3.8% in tier |
| NIM |
8.1%
+20.6% YoY+34.7% QoQ
|
+4.2% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 0.3% in tier |
| Efficiency Ratio |
53.6%
-17.2% YoY-20.4% QoQ
|
-35.2% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Top 6.6% in tier |
| Delinquency Rate |
0.4%
+25.1% YoY-60.3% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
69.8%
+0.3% YoY+2.5% QoQ
|
+10.9% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$11,545
-1.6% YoY-0.6% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
11.8%
+13.9% YoY+8.4% QoQ
|
-12.7% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)