BlastPoint's Credit Union Scorecard

QUINCY

Charter #67709 · MA

Community 500M-750M

167 CUs in 500M-750M nationally 7 in MA

View Community leaderboard →

QUINCY has 6 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 17.8% in tier
+ Organic Growth Engine: Top 17.8% in tier
+ Members Per Employee (MPE): Top 5.4% in tier
+ Total Assets: Top 6.6% in tier
+ Total Deposits: Top 7.2% in tier
+ Net Worth Ratio: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 24.5% in tier
- Efficiency Drag: Bottom 42.0% in tier
- Credit Risk Growth: Bottom 44.2% in tier
- Shrinking Wallet Share: Bottom 85.2% in tier
- ROA 0.09% below tier average
- Efficiency ratio 2.19% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	39,322 +3.5% YoY+1.2% QoQ	+1.2K	38,079 -4.8% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	59%
Assets	$733.0M +2.2% YoY+0.3% QoQ	+$113.3M	$619.7M -0.2% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	Top 7.2% in tier
Loans	$461.0M +4.1% YoY+1.7% QoQ	+$41.7M	$419.3M -1.4% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	68%
Deposits	$649.3M +1.2% YoY-0.3% QoQ	+$109.8M	$539.5M -0.1% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	Top 7.8% in tier

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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% +6.8% YoY-5.5% QoQ	-0.1%	0.7% +36.0% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	47%
NIM	2.8% +8.8% YoY+4.1% QoQ	-0.7%	3.5% +4.5% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Bottom 10.8% in tier
Efficiency Ratio	80.6% -0.8% YoY+3.3% QoQ	+2.2%	78.4% -3.7% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	56%
Delinquency Rate	0.5% +79.1% YoY-31.2% QoQ	-0.2	0.7% -0.9% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	34%
Loan To Share	71.0% +2.9% YoY+1.9% QoQ	-6.7%	77.7% -1.2% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	25%
AMR	$28,236 -1.1% YoY-0.7% QoQ	+$1K	$26,927 +3.1% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	68%
CD Concentration	29.1% -4.5% YoY-5.1% QoQ	+4.8%	24.3%	25.2%	19.8%	68%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#132 of 371 • Top 17.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.54%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#165 of 352 • Top 17.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.54%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.59%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#327 of 727 • Bottom 24.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.20% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#270 of 476 • Bottom 44.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.14%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.20% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Efficiency Drag

risk

#438 of 596 • Bottom 42.0% in tier

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

Why This Signature

Efficiency Ratio: 80.57%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.04% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 3.54%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#199 of 238 • Bottom 85.2% in tier

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

Why This Signature

AMR Growth (YoY): -1.08%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 284 Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

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 167 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 10.91%

#1 of 167 Top 0.1% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 485.457

Peer Median: 318.730

#10 of 167 Top 5.4% in 500M-750M tier

Total Assets

balance_sheet

Value: $732.97M

Peer Median: $619.16M

#12 of 167 Top 6.6% in 500M-750M tier

Total Deposits

balance_sheet

Value: $649.32M

Peer Median: $543.36M

#13 of 167 Top 7.2% in 500M-750M tier

Net Worth Ratio

risk

Value: 14.25%

Peer Median: 10.35%

#16 of 167 Top 9.0% in 500M-750M tier

Member Growth Rate

growth

Value: 3.54%

Peer Median: 1.03%

#29 of 167 Top 16.8% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.21%

Peer Median: 0.39%

#38 of 167 Top 22.2% in 500M-750M tier

Top Weaknesses (3 metrics)

149

Net Interest Margin (NIM)

profitability

Value: 2.76%

Peer Median: 3.48%

#149 of 167 Bottom 11.4% in 500M-750M tier

143

AMR Growth Rate

growth

Value: -1.08%

Peer Median: 4.03%

#143 of 167 Bottom 15.0% in 500M-750M tier

132

Deposit Growth Rate

growth

Value: 1.23%

Peer Median: 4.02%

#132 of 167 Bottom 21.6% in 500M-750M tier