BlastPoint's Credit Union Scorecard
MIDWEST AMERICA
Charter #1427 · IN
MIDWEST AMERICA has 6 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 15.6% in tier
- + Organic Growth Engine: Top 26.2% in tier
- + Wallet Share Momentum: Top 32.5% in tier
- + Profitability Leader: Top 88.5% in tier
- + ROA 0.45% above tier average
- + Net Interest Margin 0.24% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.8% in tier
- - Indirect Auto Dependency: Bottom 5.3% in tier
- - Credit Quality Pressure: Bottom 9.4% in tier
- - Liquidity Strain: Bottom 24.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51,598
+0.7% YoY-0.1% QoQ
|
-516 |
52,114
-2.1% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
49% |
| Assets |
$957.0M
+8.7% YoY+0.8% QoQ
|
+$98.0M |
$859.0M
+0.0% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Top 12.5% in tier |
| Loans |
$723.9M
+10.9% YoY+2.6% QoQ
|
+$120.6M |
$603.4M
+1.0% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 11.6% in tier |
| Deposits |
$804.1M
+8.9% YoY+0.3% QoQ
|
+$69.9M |
$734.2M
+0.9% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
82% |
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| ROA |
1.2%
+27.5% YoY-1.6% QoQ
|
+0.5% |
0.7%
+27.6% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
3.6%
+17.1% YoY+2.2% QoQ
|
+0.2% |
3.4%
+9.6% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
64% |
| Efficiency Ratio |
67.2%
-7.4% YoY+0.4% QoQ
|
-7.3% |
74.5%
-3.2% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.7%
+82.1% YoY+6.6% QoQ
|
-0.1 |
0.8%
+5.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
57% |
| Loan To Share |
90.0%
+1.8% YoY+2.3% QoQ
|
+7.4% |
82.7%
+0.1% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
65% |
| AMR |
$29,614
+9.1% YoY+1.4% QoQ
|
+$963 |
$28,651
+2.5% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
65% |
| CD Concentration |
38.2%
+12.0% YoY+2.9% QoQ
|
+13.7% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
Top 10.2% in tier |
| Indirect Auto % |
30.1%
-9.6% YoY-3.1% QoQ
|
+16.2% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
83% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)