QUESTA
Charter #66252 | NM
<100M
(2596 CUs)
Micro
($0-$500M)
22 <100M in NM
QUESTA has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.49% above tier average
- + Net Interest Margin 1.26% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 2.3% in tier
- + Asset Growth Rate: Top 2.6% in tier
- + AMR Growth Rate: Top 4.4% in tier
- + Fee Income Per Member: Top 5.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.66% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,084
-1.9% YoY-4.7% QoQ
|
-541 |
2,625
-2.2% YoY
|
30,510
+9.1% YoY
|
33,089
+6.1% YoY
|
52nd in tier |
| Assets |
$30.4M
+16.2% YoY+1.7% QoQ
|
+$572K |
$29.9M
+1.1% YoY
|
$545.3M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
60th in tier |
| Loans |
$17.1M
+5.9% YoY-1.4% QoQ
|
+$1.3M |
$15.8M
-2.4% YoY
|
$367.9M
+14.8% YoY
|
$388.7M
+8.6% YoY
|
65th in tier |
| Deposits |
$22.1M
+19.2% YoY+1.0% QoQ
|
$-3.4M |
$25.5M
+0.4% YoY
|
$461.5M
+14.0% YoY
|
$464.6M
+9.3% YoY
|
56th in tier |
| ROA |
2.2%
-31.3% YoY-0.9% QoQ
|
+1.5% |
0.7%
-731.4% YoY
|
0.9%
+49.5% YoY
|
0.7%
+273.4% YoY
|
Top 6.6% in tier |
| NIM |
5.2%
-6.8% YoY+0.1% QoQ
|
+1.3% |
3.9%
+3.8% YoY
|
3.9%
+6.9% YoY
|
3.7%
+5.0% YoY
|
Top 10.8% in tier |
| Efficiency Ratio |
62.3%
+28.5% YoY+2.1% QoQ
|
-19.0% |
81.4%
-2.4% YoY
|
73.5%
-8.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 17.3% in tier |
| Delinquency Rate |
3.2%
+192.0% YoY+40.3% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
1.1%
+5.6% YoY
|
1.2%
-0.9% YoY
|
Top 11.1% in tier |
| Loan To Share |
77.4%
-11.1% YoY-2.4% QoQ
|
+16.2% |
61.2%
-3.0% YoY
|
71.6%
-0.2% YoY
|
68.0%
-1.7% YoY
|
74th in tier |
| AMR |
$18,773
+15.2% YoY+4.8% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$20,672
+6.3% YoY
|
$19,418
+1.3% YoY
|
74th in tier |
| CD Concentration |
30.2%
+40.6% YoY+7.6% QoQ
|
+5.8% |
24.4%
+4.2% YoY
|
24.3%
+4.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
14.5%
+3.5% 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 (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
62
Deposit Growth Rate
growth
Value:
19.16%
Peer Avg: 16.80%
#62 of 2596
Top 2.3% in <100M tier
69
Asset Growth Rate
growth
Value:
16.16%
Peer Avg: 1.82%
#69 of 2596
Top 2.6% in <100M tier
115
AMR Growth Rate
growth
Value:
15.22%
Peer Avg: 4.67%
#115 of 2596
Top 4.4% in <100M tier
145
Fee Income Per Member
profitability
Value:
$212.00
Peer Avg: $182.96
#145 of 2596
Top 5.5% in <100M tier
171
Return on Assets (ROA)
profitability
Value:
2.18%
Peer Avg: 0.68%
#171 of 2596
Top 6.5% 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
281
Net Interest Margin (NIM)
profitability
Value:
5.20%
Peer Avg: 3.93%
#281 of 2596
Top 10.8% in <100M tier
435
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,193
Peer Avg: $5,488
#435 of 2596
Top 16.7% in <100M tier
449
Efficiency Ratio
profitability
Value:
62.35%
Peer Avg: 81.39%
#449 of 2596
Top 17.3% in <100M tier
Top Weaknesses (4 metrics)
2309
Total Delinquency Rate (60+ days)
risk
Value:
3.17%
Peer Avg: 1.51%
#2309 of 2596
Bottom 11.1% in <100M tier
2156
Share Certificate Concentration (%)
balance_sheet
Value:
30.19%
Peer Avg: 15.37%
#2156 of 2596
Bottom 17.0% in <100M tier
2120
First Mortgage Concentration (%)
balance_sheet
Value:
32.30%
Peer Avg: 14.49%
#2120 of 2596
Bottom 18.4% in <100M tier
2036
Members Per Employee (MPE)
engagement
Value:
231.556
Peer Avg: 365.701
#2036 of 2596
Bottom 21.6% in <100M tier