BlastPoint's Credit Union Scorecard
MIDWAY
Charter #14408 · VA
MIDWAY faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Efficiency ratio 14.36% above tier (higher cost structure)
- - Member decline: -4.7% YoY
- - Share Certificate Concentration (%): Bottom 1.2% in tier
- - Asset Growth Rate: Bottom 4.3% in tier
- - Deposit Growth Rate: Bottom 4.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
790
-4.7% YoY-0.5% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$10.0M
-10.3% YoY+0.6% QoQ
|
$-20.2M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
31% |
| Loans |
$3.3M
-11.7% YoY-5.7% QoQ
|
$-12.0M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
26% |
| Deposits |
$8.5M
-12.4% YoY+1.0% QoQ
|
$-17.3M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
32% |
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| ROA |
-0.2%
+102.1% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
3.2%
+12.6% YoY-3.0% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
26% |
| Efficiency Ratio |
105.0%
+9.9% YoY+3.7% QoQ
|
+14.4% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.4% in tier |
| Delinquency Rate |
0.1%
-89.4% YoY-62.8% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
21% |
| Loan To Share |
39.0%
+0.8% YoY-6.5% QoQ
|
-19.5% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
21% |
| AMR |
$14,869
-7.9% YoY-0.5% QoQ
|
$-15 |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
55% |
| CD Concentration |
62.2%
+6.5% YoY+12.9% QoQ
|
+37.9% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.4% | 7.7% | 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)