BlastPoint's Credit Union Scorecard

QUANTUM

Charter #67187 · KS

1077 CUs in 100M-500M nationally 9 in KS

QUANTUM has 2 strengths but faces 15 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

+ Wallet Share Momentum: Top 79.4% in tier
+ Net Interest Margin 0.86% above tier average

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 2.1% in tier
- Stagnation Risk: Bottom 6.3% in tier
- Capital Constraint: Bottom 8.0% in tier
- Institutional Decline: Bottom 12.1% in tier
- Indirect Auto Dependency: Bottom 12.6% in tier
- Credit Quality Pressure: Bottom 21.2% in tier
- Efficiency Drag: Bottom 29.0% in tier
- Liquidity Strain: Bottom 31.4% in tier
- ROA 0.17% below tier average
- Efficiency ratio 5.22% above tier (higher cost structure)
- Member decline: -9.9% YoY
- Asset Growth Rate: Bottom 1.2% in tier
- Deposit Growth Rate: Bottom 2.9% in tier
- Member Growth Rate: Bottom 3.2% in tier
- Indirect Auto Concentration (%): Bottom 4.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Members	11,127 -9.9% YoY-0.2% QoQ	-4.5K	15,628 -3.4% YoY	17,915 -2.9% YoY	33,089 +6.1% YoY	36%
Assets	$136.2M -8.0% YoY-4.5% QoQ	$-95.1M	$231.3M -0.0% YoY	$244.1M -6.9% YoY	$547.7M +7.8% YoY	24%
Loans	$109.6M -3.0% YoY-1.4% QoQ	$-38.2M	$147.8M -1.4% YoY	$175.9M -4.8% YoY	$388.7M +8.6% YoY	41%
Deposits	$119.1M -5.9% YoY-5.4% QoQ	$-81.2M	$200.3M -0.0% YoY	$209.0M -2.4% YoY	$464.6M +9.3% 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	0.6% +365.0% YoY+45.2% QoQ	-0.2%	0.8% +15.5% YoY	0.7% +53.0% YoY	0.7% +273.4% YoY	41%
NIM	4.4% +29.6% YoY+6.3% QoQ	+0.9%	3.6% +6.9% YoY	4.0% +8.4% YoY	3.7% +5.0% YoY	Top 10.9% in tier
Efficiency Ratio	82.5% -9.5% YoY-1.6% QoQ	+5.2%	77.3% -3.0% YoY	77.0% -6.2% YoY	79.1% -3.3% YoY	69%
Delinquency Rate	0.4% +25.5% YoY+62.4% QoQ	-0.5	0.9% +7.6% YoY	1.2% -23.8% YoY	1.2% -0.9% YoY	26%
Loan To Share	92.0% +3.0% YoY+4.3% QoQ	+19.3%	72.7% -1.5% YoY	71.9% -2.0% YoY	68.0% -1.7% YoY	Top 11.8% in tier
AMR	$20,557 +5.9% YoY-3.3% QoQ	$-4K	$24,363 +2.9% YoY	$16,347 +1.3% YoY	$19,418 +1.3% YoY	39%
CD Concentration	28.7% -10.4% YoY-4.0% QoQ	+4.3%	24.4% +4.2% YoY	24.2% -2.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	45.9% -9.7% YoY-4.1% QoQ	+31.9%	14.0% -5.7% YoY	12.4% -5.6% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#382 of 481 • Top 79.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.92%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (8)

Membership Headwinds

decline

#35 of 550 • Bottom 2.1% in tier

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

Why This Signature

Member Growth (YoY): -9.90%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk

#105 of 550 • Bottom 6.3% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -9.90%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.05%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.39%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Capital Constraint

risk

#8 of 18 • Bottom 8.0% 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: 92.02%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Deposit Growth (YoY): -5.91%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Net Worth Ratio: 11.13%

(Tier: 11.95%, National: 14.51%)

worse than tier avg

18 of 1077 Community CUs have this signature | 29 nationally

↓ Shrinking -33 CUs YoY | New qualifier

Institutional Decline

decline

#96 of 256 • Bottom 12.1% in tier

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

Why This Signature

Total Assets: $136.24M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -9.90%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.05%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#203 of 525 • Bottom 12.6% in tier

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

Why This Signature

Asset Growth (YoY): -7.99%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 45.88%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -9.90%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#525 of 736 • Bottom 21.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Efficiency Drag

risk

#513 of 521 • Bottom 29.0% in tier

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

Why This Signature

Efficiency Ratio: 82.50%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.48% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -9.90%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Liquidity Strain

risk

#244 of 258 • Bottom 31.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.02%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -3.05%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 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 1077 peers in tier

Top Strengths (3 metrics)

117

Net Interest Margin (NIM)

profitability

Value: 4.44%

Peer Avg: -

#117 of 1077 Top 10.8% in 100M-500M tier

127

Loan-to-Share Ratio

balance_sheet

Value: 92.02%

Peer Avg: -

#127 of 1077 Top 11.7% in 100M-500M tier

200

First Mortgage Concentration (%)

balance_sheet

Value: 14.10%

Peer Avg: -

#200 of 1077 Top 18.5% in 100M-500M tier

Top Weaknesses (7 metrics)

1065

Asset Growth Rate

growth

Value: -7.99%

Peer Avg: -

#1065 of 1077 Bottom 1.2% in 100M-500M tier

1047

Deposit Growth Rate

growth

Value: -5.91%

Peer Avg: -

#1047 of 1077 Bottom 2.9% in 100M-500M tier

1044

Member Growth Rate

growth

Value: -9.90%

Peer Avg: -

#1044 of 1077 Bottom 3.2% in 100M-500M tier

1025

Indirect Auto Concentration (%)

balance_sheet

Value: 45.88%

Peer Avg: -

#1025 of 1077 Bottom 4.9% in 100M-500M tier

859

Loan Growth Rate

growth

Value: -3.05%

Peer Avg: -

#859 of 1077 Bottom 20.3% in 100M-500M tier

822

Total Assets

balance_sheet

Value: $136.24M

Peer Avg: -

#822 of 1077 Bottom 23.8% in 100M-500M tier

817

Members Per Employee (MPE)

engagement

Value: 264.929

Peer Avg: -

#817 of 1077 Bottom 24.2% in 100M-500M tier