QUINCY

Charter #67709 | MA

500M-750M (169 CUs) Community (281 CUs)
9 500M-750M in MA

QUINCY has 6 strengths but faces 8 concerns

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
  • - Liquidity Overhang: Bottom 13.3% 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
 52nd in tier
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
 52nd in tier
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
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
 52nd in tier
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
 49th in tier
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
 Top 24.3% in tier
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
 Bottom 20.1% in tier
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
 67th in tier
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
 70th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#270 of 430 • Top 20.4% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.90%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth
#407 of 603 • Top 22.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.90%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.63%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk
#95 of 736 • Bottom 3.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.63% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Liquidity Overhang

risk
#206 of 552 • Bottom 13.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.37%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 70.11%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#176 of 244 • Bottom 17.6% in tier

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

Why This Signature
AMR Growth (YoY): -1.57%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Flatlined Growth

risk
#25 of 58 • Bottom 23.3% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $713.98M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 1.69%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.63%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
58 of 281 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
11
Members Per Employee (MPE)
engagement
Value: 469.037
Peer Avg: 338.010
#11 of 169 Top 5.9% in 500M-750M tier
15
Total Deposits
balance_sheet
Value: $632.31M
Peer Avg: $538.02M
#15 of 169 Top 8.3% in 500M-750M tier
16
Net Worth Ratio
risk
Value: 14.37%
Peer Avg: 10.94%
#16 of 169 Top 8.9% in 500M-750M tier
25
Total Assets
balance_sheet
Value: $713.98M
Peer Avg: $622.38M
#25 of 169 Top 14.2% in 500M-750M tier
37
Net Charge-Off Rate
risk
Value: 0.18%
Peer Avg: 0.51%
#37 of 169 Top 21.3% in 500M-750M tier

Top Weaknesses (8 metrics)

154
Net Interest Margin (NIM)
profitability
Value: 2.65%
Peer Avg: 3.43%
#154 of 169 Bottom 9.5% in 500M-750M tier
149
Fee Income Per Member
profitability
Value: $128.40
Peer Avg: $199.27
#149 of 169 Bottom 12.4% in 500M-750M tier
145
AMR Growth Rate
growth
Value: -1.57%
Peer Avg: 3.12%
#145 of 169 Bottom 14.8% in 500M-750M tier
135
Loan-to-Share Ratio
balance_sheet
Value: 70.11%
Peer Avg: 81.02%
#135 of 169 Bottom 20.7% in 500M-750M tier
131
Loan Growth Rate
growth
Value: -1.14%
Peer Avg: 4.04%
#131 of 169 Bottom 23.1% in 500M-750M tier
131
Deposit Growth Rate
growth
Value: 1.33%
Peer Avg: 5.25%
#131 of 169 Bottom 23.1% in 500M-750M tier
129
Total Delinquency Rate (60+ days)
risk
Value: 1.01%
Peer Avg: 0.80%
#129 of 169 Bottom 24.3% in 500M-750M tier
129
First Mortgage Concentration (%)
balance_sheet
Value: 44.44%
Peer Avg: 33.53%
#129 of 169 Bottom 24.3% in 500M-750M tier