BlastPoint's Credit Union Scorecard

QUANTUM

Charter #67187 · KS

1069 CUs in 100M-500M nationally 9 in KS

QUANTUM has 1 strength but faces 16 concerns

National Analysis

How does the industry compare?

KS Analysis

How does KS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.04% above tier average

Key Concerns

Areas that may need attention

- Accelerating Exit Risk: Bottom 43.6% in tier
- Capital Constraint: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 52.1% in tier
- Shrinking Wallet Share: Bottom 53.1% in tier
- Credit Quality Pressure: Bottom 57.2% in tier
- Stagnation Risk: Bottom 60.4% in tier
- Membership Headwinds: Bottom 72.0% in tier
- Efficiency Drag: Bottom 89.0% in tier
- Institutional Decline: Bottom 90.4% in tier
- Liquidity Strain: Bottom 95.2% in tier
- ROA 0.02% below tier average
- Efficiency ratio 4.15% above tier (higher cost structure)
- Asset Growth Rate: Bottom 1.2% in tier
- Deposit Growth Rate: Bottom 3.4% in tier
- Indirect Auto Concentration (%): Bottom 5.6% in tier
- AMR Growth Rate: Bottom 8.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	11,111 -1.6% YoY-0.1% QoQ	-4.3K	15,437 -2.9% YoY	12,209 -35.0% YoY	33,374 +5.7% YoY	36%
Assets	$136.6M -7.1% YoY+0.3% QoQ	$-95.3M	$231.9M +1.3% YoY	$164.3M -37.3% YoY	$561.6M +9.7% YoY	24%
Loans	$109.4M -2.9% YoY-0.2% QoQ	$-38.0M	$147.3M -0.1% YoY	$120.8M -36.2% YoY	$397.0M +8.8% YoY	41%
Deposits	$119.5M -4.9% YoY+0.3% QoQ	$-81.3M	$200.8M +0.8% YoY	$139.5M -36.6% YoY	$477.3M +9.7% YoY	25%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +325.3% YoY+20.3% QoQ	-0.0%	0.8% +18.2% YoY	0.6% +32.6% YoY	0.7% +15.9% YoY	49%
NIM	4.6% +29.7% YoY+4.6% QoQ	+1.0%	3.6% +6.7% YoY	4.0% +7.1% YoY	3.8% +5.1% YoY	Top 7.1% in tier
Efficiency Ratio	81.2% -9.1% YoY-1.6% QoQ	+4.2%	77.0% -3.1% YoY	78.8% -6.8% YoY	79.7% -3.3% YoY	64%
Delinquency Rate	0.5% +44.8% YoY+40.0% QoQ	-0.3	0.9% +4.2% YoY	1.5% -6.0% YoY	1.3% -2.1% YoY	36%
Loan To Share	91.5% +2.1% YoY-0.5% QoQ	+19.3%	72.2% -1.1% YoY	71.6% -2.2% YoY	67.4% -1.7% YoY	Top 11.1% in tier
AMR	$20,600 -2.4% YoY+0.2% QoQ	$-4K	$24,676 +3.4% YoY	$16,403 +0.2% YoY	$19,687 +2.0% YoY	37%
CD Concentration	27.6% -11.1% YoY-3.9% QoQ	+3.2%	24.4%	24.6%	19.8%	50%
Indirect Auto %	44.1% -13.0% YoY-3.9% QoQ	+30.3%	13.8%	12.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (10)

Accelerating Exit Risk

decline

#25 of 56 • Bottom 43.6% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.59%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -2.39%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Capital Constraint

risk

#12 of 23 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 91.52%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -4.87%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 11.34%

(Tier: 11.97%, National: 14.49%)

worse than tier avg

23 of 1069 Mid-Small & Community CUs have this signature | 32 nationally

→ No prior data (23 CUs now) | New qualifier

Indirect Auto Dependency

risk

#264 of 506 • Bottom 52.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -7.12%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 44.11%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.59%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#111 of 208 • Bottom 53.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.39%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Credit Quality Pressure

risk

#404 of 705 • Bottom 57.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Stagnation Risk

risk

#335 of 554 • Bottom 60.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.59%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.91%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.54%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#399 of 554 • Bottom 72.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.59%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#479 of 538 • Bottom 89.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.17%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.57% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -1.59%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Institutional Decline

decline

#217 of 240 • Bottom 90.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $136.60M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -1.59%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.91%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Liquidity Strain

risk

#217 of 228 • Bottom 95.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.52%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -2.91%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.65%

Peer Median: -

#76 of 1069 Top 7.0% in 100M-500M tier

119

Loan-to-Share Ratio

balance_sheet

Value: 91.52%

Peer Median: -

#119 of 1069 Top 11.0% in 100M-500M tier

199

First Mortgage Concentration (%)

balance_sheet

Value: 14.15%

Peer Median: -

#199 of 1069 Top 18.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1057

Asset Growth Rate

growth

Value: -7.12%

Peer Median: -

#1057 of 1069 Bottom 1.2% in 100M-500M tier

1034

Deposit Growth Rate

growth

Value: -4.87%

Peer Median: -

#1034 of 1069 Bottom 3.4% in 100M-500M tier

1010

Indirect Auto Concentration (%)

balance_sheet

Value: 44.11%

Peer Median: -

#1010 of 1069 Bottom 5.6% in 100M-500M tier

978

AMR Growth Rate

growth

Value: -2.39%

Peer Median: -

#978 of 1069 Bottom 8.6% in 100M-500M tier

865

Loan Growth Rate

growth

Value: -2.91%

Peer Median: -

#865 of 1069 Bottom 19.2% in 100M-500M tier

818

Total Assets

balance_sheet

Value: $136.60M

Peer Median: -

#818 of 1069 Bottom 23.6% in 100M-500M tier