BlastPoint's Credit Union Scorecard
QUANTUM
Charter #67187 · KS
QUANTUM has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.26% above tier average
- + Net Interest Margin 0.90% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 7.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Kansas.
- Shares and deposits -1.0% year over year ($125M in shares and deposits).
- Membership: 11,103 members, -0.4% vs a year ago.
- Delinquency rate 0.40%.
- Return on assets 1.12%.
- Efficiency ratio 75.89% vs a 76.73% peer average.
- Loan-to-share ratio 88.36% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,103
-0.4% YoY+0.8% QoQ
|
-4.1K |
15,168
-2.6% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$143.0M
+0.2% YoY+1.7% QoQ
|
$-89.0M |
$232.0M
+0.7% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
27% |
| Loans |
$110.2M
-0.9% YoY+1.7% QoQ
|
$-36.1M |
$146.3M
+0.2% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$124.7M
-1.0% YoY+1.2% QoQ
|
$-76.0M |
$200.7M
+0.2% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
27% |
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| ROA |
1.1%
+163.9% YoY+12.2% QoQ
|
+0.3% |
0.9%
+12.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
4.6%
+9.7% YoY+1.3% QoQ
|
+0.9% |
3.7%
+4.5% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
Top 9.1% in tier |
| Efficiency Ratio |
75.9%
-9.5% YoY+0.9% QoQ
|
-0.8% |
76.7%
-0.8% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
45% |
| Delinquency Rate |
0.4%
+68.8% YoY+66.2% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
27% |
| Loan To Share |
88.4%
+0.1% YoY+0.5% QoQ
|
+16.8% |
71.5%
-0.3% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
83% |
| AMR |
$21,153
-0.5% YoY+0.6% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
38% |
| CD Concentration |
31.0%
+3.5% YoY+10.6% QoQ
|
+6.4% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % |
41.1%
-14.2% YoY-2.9% QoQ
|
+27.4% | 13.6% | 12.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)