BlastPoint's Credit Union Scorecard
MIDWAY
Charter #14408 · VA
MIDWAY has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.74% below tier average
- - Efficiency ratio 18.70% above tier (higher cost structure)
- - Member decline: -5.6% YoY
- - Share Certificate Concentration (%): Bottom 2.1% in tier
- - Deposit Growth Rate: Bottom 6.1% in tier
- - Asset Growth Rate: Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
794
-5.6% YoY-1.5% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$9.9M
-8.2% YoY-1.9% QoQ
|
$-20.2M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$3.5M
-12.3% YoY+0.1% QoQ
|
$-12.3M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$8.4M
-10.7% YoY-2.1% QoQ
|
$-17.3M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
-0.1%
-405.7% YoY-57.6% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.7% in tier |
| NIM |
3.3%
+7.9% YoY+6.3% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
101.3%
+9.6% YoY-4.2% QoQ
|
+18.7% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 10.3% in tier |
| Delinquency Rate |
0.2%
-70.2% YoY-65.8% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
29% |
| Loan To Share |
41.7%
-1.8% YoY+2.3% QoQ
|
-18.9% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$14,942
-5.9% YoY-0.0% QoQ
|
+$159 |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
55.1%
-7.9% YoY-4.9% QoQ
|
+30.6% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 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)