BlastPoint's Credit Union Scorecard
QUINCY
Charter #67709 · MA
QUINCY has 6 strengths but faces 7 concerns
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How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 20.4% in tier
- + Organic Growth Engine: Top 22.2% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 5.9% in tier
- + Total Deposits: Top 8.3% in tier
- + Net Worth Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.8% in tier
- - Shrinking Wallet Share: Bottom 17.6% in tier
- - Flatlined Growth: Bottom 23.3% in tier
- - ROA 0.02% below tier average
- - Efficiency ratio 0.16% above tier (higher cost structure)
- - Delinquency rate 0.21% above tier average
- - Net Interest Margin (NIM): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,461
+1.9% YoY+0.8% QoQ
|
-1.3K |
39,752
-2.7% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
52% |
| Assets |
$714.0M
+1.7% YoY+0.7% QoQ
|
+$91.6M |
$622.4M
+0.3% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Top 14.8% in tier |
| Loans |
$443.3M
-1.1% YoY+1.2% QoQ
|
+$7.3M |
$435.9M
-0.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
52% |
| Deposits |
$632.3M
+1.3% YoY+0.1% QoQ
|
+$94.3M |
$538.0M
+1.3% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Top 8.9% in tier |
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| ROA |
0.6%
+43.6% YoY+8.8% QoQ
|
-0.0% |
0.7%
+33.9% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
2.7%
+7.5% YoY+2.7% QoQ
|
-0.8% |
3.4%
+8.6% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.9% in tier |
| Efficiency Ratio |
78.3%
-4.9% YoY-1.4% QoQ
|
+0.2% |
78.1%
-3.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
49% |
| Delinquency Rate |
1.0%
+165.2% YoY+116.2% QoQ
|
+0.2 |
0.8%
-4.9% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
70.1%
-2.4% YoY+1.2% QoQ
|
-10.9% |
81.0%
-1.8% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
20% |
| AMR |
$27,966
-1.6% YoY-0.2% QoQ
|
+$1K |
$26,482
+2.6% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
67% |
| CD Concentration |
29.8%
+1.2% YoY+0.7% QoQ
|
+5.4% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
70% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)