BlastPoint's Credit Union Scorecard
QUANTUM
Charter #67187 · KS
QUANTUM has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.27% above tier average
- + Net Interest Margin 0.89% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Capital Constraint: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,013
-1.6% YoY-0.9% QoQ
|
-4.1K |
15,145
-2.5% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
38% |
| Assets |
$140.6M
-2.5% YoY+2.9% QoQ
|
$-91.1M |
$231.7M
+0.8% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
26% |
| Loans |
$108.3M
-2.7% YoY-1.0% QoQ
|
$-35.9M |
$144.1M
+0.2% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
42% |
| Deposits |
$123.2M
-3.6% YoY+3.1% QoQ
|
$-78.0M |
$201.1M
+0.4% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
1.0%
+118.0% YoY+34.6% QoQ
|
+0.3% |
0.7%
+5.1% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
70% |
| NIM |
4.5%
+14.4% YoY-2.6% QoQ
|
+0.9% |
3.6%
+4.6% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
Top 9.3% in tier |
| Efficiency Ratio |
75.2%
-8.3% YoY-7.3% QoQ
|
-2.8% |
78.0%
-1.7% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
0.2%
+1.6% YoY-55.3% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
18% |
| Loan To Share |
87.9%
+0.9% YoY-3.9% QoQ
|
+17.5% |
70.4%
-0.4% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
Top 14.6% in tier |
| AMR |
$21,019
-1.6% YoY+2.0% QoQ
|
$-4K |
$24,918
+2.7% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
38% |
| CD Concentration |
28.0%
-8.6% YoY+1.5% QoQ
|
+3.7% | 24.3% | 24.3% | 19.8% | 50% |
| Indirect Auto % |
42.3%
-15.0% YoY-4.1% QoQ
|
+28.5% | 13.8% | 12.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (8)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
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)