BlastPoint's Credit Union Scorecard

MIDWEST AMERICA

Charter #1427 · IN

Community 750M-1B

117 CUs in 750M-1B nationally 5 in IN

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MIDWEST AMERICA has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 35.2% in tier
+ Wallet Share Momentum: Top 71.9% in tier
+ ROA 0.33% above tier average
+ Net Interest Margin 0.29% above tier average
+ Total Loans: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 27.5% in tier
- Indirect Auto Dependency: Bottom 29.3% in tier
- Credit Quality Pressure: Bottom 32.8% in tier
- Liquidity Strain: Bottom 82.8% in tier
- Delinquency rate 0.00% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	51,504 +0.1% YoY-0.2% QoQ	-580	52,084 -1.6% YoY	22,624 +3.2% YoY	33,374 +5.7% YoY	47%
Assets	$958.8M +6.5% YoY+0.2% QoQ	+$94.9M	$863.9M +0.5% YoY	$390.3M +10.1% YoY	$561.6M +9.7% YoY	Top 14.5% in tier
Loans	$730.7M +7.0% YoY+0.9% QoQ	+$124.9M	$605.8M +1.4% YoY	$281.2M +8.6% YoY	$397.0M +8.8% YoY	Top 10.3% in tier
Deposits	$806.8M +6.4% YoY+0.3% QoQ	+$69.5M	$737.3M +0.1% YoY	$327.7M +9.9% YoY	$477.3M +9.7% YoY	77%

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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% +27.1% YoY-7.3% QoQ	+0.3%	0.7% +39.1% YoY	0.9% +52.7% YoY	0.7% +15.9% YoY	76%
NIM	3.7% +17.6% YoY+1.9% QoQ	+0.3%	3.4% +8.7% YoY	3.9% +8.6% YoY	3.8% +5.1% YoY	68%
Efficiency Ratio	69.0% -4.4% YoY+2.8% QoQ	-5.3%	74.3% -3.6% YoY	78.1% -3.9% YoY	79.7% -3.3% YoY	26%
Delinquency Rate	0.9% +56.5% YoY+21.1% QoQ	+0.0	0.9% +3.8% YoY	1.3% +9.0% YoY	1.3% -2.1% YoY	64%
Loan To Share	90.6% +0.6% YoY+0.6% QoQ	+8.0%	82.6% +1.1% YoY	69.9% +0.6% YoY	67.4% -1.7% YoY	67%
AMR	$29,853 +6.5% YoY+0.8% QoQ	+$980	$28,873 +2.7% YoY	$18,520 +5.2% YoY	$19,687 +2.0% YoY	65%
CD Concentration	36.7% +0.9% YoY-3.8% QoQ	+12.3%	24.4%	19.3%	19.8%	Top 11.7% in tier
Indirect Auto %	29.9% -8.9% YoY-0.9% QoQ	+16.1%	13.8%	10.7%	7.8%	84%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#95 of 268 • Top 35.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.55%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#369 of 513 • Top 71.9% in tier

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

Why This Signature

AMR Growth (YoY): 6.55%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (4)

Credit Risk Growth

risk

#126 of 456 • Bottom 27.5% in tier

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

Why This Signature

Loan Growth (YoY): 7.05%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.32% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

665 nationally

→ No prior data (456 CUs now) | New qualifier

Indirect Auto Dependency

risk

#149 of 506 • Bottom 29.3% in tier

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

Why This Signature

Asset Growth (YoY): 6.47%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 29.87%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.14%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Credit Quality Pressure

risk

#232 of 705 • Bottom 32.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.32% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Liquidity Strain

risk

#189 of 228 • Bottom 82.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.57%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 7.05%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 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 117 peers in tier

Top Strengths (6 metrics)

Total Loans

balance_sheet

Value: $730.73M

Peer Median: -

#12 of 117 Top 9.4% in 750M-1B tier

Net Worth Ratio

risk

Value: 14.52%

Peer Median: -

#16 of 117 Top 12.8% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 18.44%

Peer Median: -

#16 of 117 Top 12.8% in 750M-1B tier

Total Assets

balance_sheet

Value: $958.83M

Peer Median: -

#17 of 117 Top 13.7% in 750M-1B tier

Total Deposits

balance_sheet

Value: $806.83M

Peer Median: -

#27 of 117 Top 22.2% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.08%

Peer Median: -

#28 of 117 Top 23.1% in 750M-1B tier

Top Weaknesses (3 metrics)

101

Members Per Employee (MPE)

engagement

Value: 261.442

Peer Median: -

#101 of 117 Bottom 14.5% in 750M-1B tier

100

Share Certificate Concentration (%)

balance_sheet

Value: 36.72%

Peer Median: -

#100 of 117 Bottom 15.4% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 29.87%

Peer Median: -

#97 of 117 Bottom 17.9% in 750M-1B tier