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 6 strengths but faces 4 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 36.6% in tier
+ Wallet Share Momentum: Top 36.6% in tier
+ ROA 0.22% above tier average
+ Net Interest Margin 0.35% above tier average
+ Total Assets: Top 1.7% in tier
+ Total Loans: Top 7.7% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 22.7% in tier
- Credit Risk Growth: Bottom 32.4% in tier
- Indirect Auto Dependency: Bottom 38.8% in tier
- Delinquency rate 0.14% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	51,712 +0.6% YoY+0.4% QoQ	+211	51,500 +0.7% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	50%
Assets	$995.0M +5.4% YoY+3.8% QoQ	+$129.3M	$865.6M +0.9% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	Top 2.6% in tier
Loans	$742.2M +6.5% YoY+1.6% QoQ	+$146.9M	$595.3M +1.6% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	Top 8.5% in tier
Deposits	$841.0M +4.9% YoY+4.2% QoQ	+$98.8M	$742.2M +0.6% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	Top 11.1% 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	1.0% +4.5% YoY-8.9% QoQ	+0.2%	0.8% +45.0% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	70%
NIM	3.8% +9.9% YoY+3.3% QoQ	+0.4%	3.5% +6.1% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	70%
Efficiency Ratio	71.2% +0.6% YoY+3.1% QoQ	-4.3%	75.5% -3.4% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	28%
Delinquency Rate	0.8% +39.7% YoY-8.0% QoQ	+0.1	0.7% -0.1% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	70%
Loan To Share	88.3% +1.5% YoY-2.6% QoQ	+7.6%	80.6% +0.7% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	62%
AMR	$30,615 +5.0% YoY+2.6% QoQ	+$2K	$28,908 +0.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	65%
CD Concentration	36.4% -0.6% YoY-0.8% QoQ	+12.1%	24.3%	18.9%	19.8%	Top 12.1% in tier
Indirect Auto %	29.3% -8.4% YoY-2.0% QoQ	+15.5%	13.8%	10.4%	7.7%	83%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#135 of 257 • Top 36.6% 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): 5.02%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.4K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#488 of 491 • Top 36.6% in tier

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

Why This Signature

AMR Growth (YoY): 5.02%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk

#181 of 504 • Bottom 38.8% in tier

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

Why This Signature

Asset Growth (YoY): 5.43%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 29.29%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.56%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Risk Growth

risk

#176 of 476 • Bottom 32.4% in tier

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

Why This Signature

Loan Growth (YoY): 6.47%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.23% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#303 of 727 • Bottom 22.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.23% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 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 (5 metrics)

Total Assets

balance_sheet

Value: $994.96M

Peer Median: $858.87M

#3 of 117 Top 1.7% in 750M-1B tier

Total Loans

balance_sheet

Value: $742.20M

Peer Median: $618.21M

#10 of 117 Top 7.7% in 750M-1B tier

Total Deposits

balance_sheet

Value: $840.97M

Peer Median: $735.65M

#13 of 117 Top 10.3% in 750M-1B tier

Net Worth Ratio

risk

Value: 14.38%

Peer Median: 10.69%

#15 of 117 Top 12.0% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 18.66%

Peer Median: 32.60%

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

Top Weaknesses (3 metrics)

102

Members Per Employee (MPE)

engagement

Value: 261.172

Peer Median: 328.468

#102 of 117 Bottom 13.7% in 750M-1B tier

101

Share Certificate Concentration (%)

balance_sheet

Value: 36.42%

Peer Median: 26.77%

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

Indirect Auto Concentration (%)

balance_sheet

Value: 29.29%

Peer Median: 13.79%

#96 of 117 Bottom 18.8% in 750M-1B tier