BlastPoint's Credit Union Scorecard

MIDWEST AMERICA

Charter #1427 · IN

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 10 in IN

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MIDWEST AMERICA has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 23.2% in tier
+ Wallet Share Momentum: Top 24.5% in tier
+ ROA 0.33% above tier average
+ Net Interest Margin 0.52% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 20.2% in tier
- Credit Risk Growth: Bottom 22.6% in tier
- Liquidity Strain: Bottom 38.7% in tier
- Indirect Auto Dependency: Bottom 45.2% in tier
- Total Assets: Bottom 1.0% in tier
- Total Deposits: Bottom 2.3% in tier
- Members Per Employee (MPE): Bottom 7.0% in tier
- Total Members: Bottom 10.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Indiana.
Shares and deposits +5.6% year over year ($846M in shares and deposits).
Membership: 52,370 members, +1.4% vs a year ago.
Delinquency rate 0.90%.
Return on assets 1.15%.
Efficiency ratio 66.02% vs a 73.02% peer average.
Loan-to-share ratio 92.19% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	52,370 +1.4% YoY+1.3% QoQ	-44.5K	96,861 -1.9% YoY	23,392 +5.7% YoY	34,678 +6.6% YoY	Bottom 9.7% in tier
Assets	$1.0B +5.7% YoY+0.8% QoQ	$-721.0M	$1.7B +0.4% YoY	$404.4M +8.2% YoY	$593.1M +10.2% YoY	Bottom 0.7% in tier
Loans	$780.3M +10.6% YoY+5.1% QoQ	$-453.9M	$1.2B +0.7% YoY	$288.6M +8.1% YoY	$418.6M +10.1% YoY	Bottom 14.0% in tier
Deposits	$846.4M +5.6% YoY+0.6% QoQ	$-616.9M	$1.5B +0.5% YoY	$337.5M +7.0% YoY	$504.8M +10.3% YoY	Bottom 2.0% 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	1.1% -2.6% YoY+17.2% QoQ	+0.3%	0.8% +27.6% YoY	1.6% +105.9% YoY	1.2% +121.4% YoY	79%
NIM	3.9% +11.3% YoY+3.5% QoQ	+0.5%	3.4% +6.6% YoY	3.9% +3.1% YoY	3.8% +2.3% YoY	83%
Efficiency Ratio	66.0% -1.4% YoY-7.3% QoQ	-7.0%	73.0% -2.7% YoY	105.3% +31.6% YoY	83.0% -5.3% YoY	19%
Delinquency Rate	0.9% +30.6% YoY+9.9% QoQ	+0.0	0.9% +7.3% YoY	1.6% +32.0% YoY	1.3% +2.6% YoY	66%
Loan To Share	92.2% +4.8% YoY+4.5% QoQ	+7.5%	84.7% +0.1% YoY	68.6% +0.4% YoY	66.4% -1.4% YoY	66%
AMR	$31,062 +6.4% YoY+1.5% QoQ	+$1K	$29,575 +1.5% YoY	$18,349 +1.6% YoY	$20,028 -0.9% YoY	66%
CD Concentration	38.1% +2.7% YoY+4.5% QoQ	+9.0%	29.1%	19.4%	20.0%	Top 14.7% in tier
Indirect Auto %	29.2% -6.2% YoY-0.3% QoQ	+11.1%	18.1%	11.1%	7.7%	76%

Signature Analysis

Strengths (2)

Emerging Performer

growth

#59 of 82 • Top 23.2% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.15%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Member Growth (YoY): 1.44%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | New qualifier

Wallet Share Momentum

growth

#91 of 125 • Top 24.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.38%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | Rank improving

Concerns (4)

Credit Risk Growth

risk

#30 of 170 • Bottom 22.6% in tier

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

Why This Signature

Loan Growth (YoY): 10.58%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.21% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank improving

Credit Quality Pressure

risk

#75 of 215 • Bottom 20.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.21% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#79 of 193 • Bottom 45.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.71%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 29.19%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 1.44%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY

Liquidity Strain

risk

#108 of 168 • Bottom 38.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.19%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 10.58%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | New qualifier

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 300 peers in tier

Top Strengths (7 metrics)

Net Worth Ratio

risk

Value: 14.80%

Peer Median: 10.91%

#34 of 300 Top 11.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.03%

Peer Median: 33.59%

#44 of 300 Top 14.3% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.94%

Peer Median: 3.46%

#51 of 300 Top 16.7% in 1B-3B tier

Efficiency Ratio

profitability

Value: 66.02%

Peer Median: 73.62%

#59 of 300 Top 19.3% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.15%

Peer Median: 0.77%

#62 of 300 Top 20.3% in 1B-3B tier

Loan Growth Rate

growth

Value: 10.58%

Peer Median: 5.71%

#65 of 300 Top 21.3% in 1B-3B tier

AMR Growth Rate

growth

Value: 6.38%

Peer Median: 3.19%

#74 of 300 Top 24.3% in 1B-3B tier

Top Weaknesses (7 metrics)

298

Total Assets

balance_sheet

Value: $1.00B

Peer Median: $1.51B

#298 of 300 Bottom 1.0% in 1B-3B tier

294

Total Deposits

balance_sheet

Value: $846.43M

Peer Median: $1.30B

#294 of 300 Bottom 2.3% in 1B-3B tier

280

Members Per Employee (MPE)

engagement

Value: 256.716

Peer Median: 346.173

#280 of 300 Bottom 7.0% in 1B-3B tier

271

Total Members

engagement

Value: 52,370

Peer Median: 86,516

#271 of 300 Bottom 10.0% in 1B-3B tier

267

Share Certificate Concentration (%)

balance_sheet

Value: 38.06%

Peer Median: 28.24%

#267 of 300 Bottom 11.3% in 1B-3B tier

258

Total Loans

balance_sheet

Value: $780.31M

Peer Median: $1.14B

#258 of 300 Bottom 14.3% in 1B-3B tier

234

Indirect Auto Concentration (%)

balance_sheet

Value: 29.19%

Peer Median: 14.26%

#234 of 300 Bottom 22.3% in 1B-3B tier