BlastPoint's Credit Union Scorecard
MIDWAY
Charter #14408 · VA
MIDWAY has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.97% below tier average
- - Efficiency ratio 24.34% above tier (higher cost structure)
- - Member decline: -5.7% YoY
- - Share Certificate Concentration (%): Bottom 1.7% in tier
- - Asset Growth Rate: Bottom 3.4% in tier
- - Deposit Growth Rate: Bottom 3.8% in tier
- - AMR Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
806
-5.7% YoY-2.1% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
23% |
| Assets |
$10.1M
-12.4% YoY-2.2% QoQ
|
$-19.7M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$3.5M
-15.6% YoY-3.4% QoQ
|
$-12.3M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
26% |
| Deposits |
$8.6M
-14.0% YoY-1.1% QoQ
|
$-16.9M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
33% |
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| ROA |
-0.3%
-165.0% YoY+27.8% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.0% in tier |
| NIM |
3.1%
+3.6% YoY+1.5% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
22% |
| Efficiency Ratio |
105.7%
+23.8% YoY+3.2% QoQ
|
+24.3% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Top 8.1% in tier |
| Delinquency Rate |
0.7%
-11.5% YoY-16.5% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
52% |
| Loan To Share |
40.8%
-1.9% YoY-2.3% QoQ
|
-20.5% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
20% |
| AMR |
$14,942
-9.2% YoY+0.3% QoQ
|
+$315 |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
57% |
| CD Concentration |
57.9%
-3.8% YoY+0.6% QoQ
|
+33.5% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)