BlastPoint's Credit Union Scorecard
QSIDE
Charter #3947 · NY
QSIDE has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.07% above tier average
- + Net Interest Margin 2.03% above tier average
- + Total Members: Top 5.6% in tier
- + Members Per Employee (MPE): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 5.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,843
-0.5% YoY+0.1% QoQ
|
+4.2K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Top 5.7% in tier |
| Assets |
$53.7M
+1.1% YoY+4.2% QoQ
|
+$23.5M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
79% |
| Loans |
$32.2M
-1.8% YoY-2.4% QoQ
|
+$16.9M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Top 15.0% in tier |
| Deposits |
$47.3M
-0.5% YoY+4.7% QoQ
|
+$21.5M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
80% |
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| ROA |
1.2%
-34.5% YoY-22.1% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
77% |
| NIM |
6.0%
-4.4% YoY-15.7% QoQ
|
+2.0% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 3.7% in tier |
| Efficiency Ratio |
67.3%
+5.5% YoY-0.6% QoQ
|
-23.3% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
22% |
| Delinquency Rate |
1.1%
+59.9% YoY+30.0% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
66% |
| Loan To Share |
68.1%
-1.3% YoY-6.8% QoQ
|
+9.6% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
64% |
| AMR |
$11,617
-0.6% YoY+1.6% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
37% |
| CD Concentration |
10.9%
+17.7% YoY-3.9% QoQ
|
-13.4% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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)