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 0.88% above tier average
- + Net Interest Margin 2.73% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 6.0% in tier
- + Members Per Employee (MPE): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,904
-0.8% YoY+0.3% QoQ
|
+4.3K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Top 6.1% in tier |
| Assets |
$51.4M
-1.0% YoY-3.7% QoQ
|
+$21.6M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
78% |
| Loans |
$33.2M
+3.5% YoY+0.2% QoQ
|
+$17.5M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
85% |
| Deposits |
$45.4M
-0.7% YoY-4.7% QoQ
|
+$20.0M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
79% |
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| ROA |
1.6%
+92.5% YoY-2.6% QoQ
|
+0.9% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
81% |
| NIM |
6.7%
+30.7% YoY-1.3% QoQ
|
+2.7% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 2.2% in tier |
| Efficiency Ratio |
66.6%
-15.4% YoY+2.9% QoQ
|
-14.8% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.4%
+22.6% YoY+31.6% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
73.2%
+4.2% YoY+5.2% QoQ
|
+11.9% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$11,389
+1.8% YoY-3.0% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
36% |
| CD Concentration |
11.4%
+6.5% YoY+9.4% QoQ
|
-13.0% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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)