BlastPoint's Credit Union Scorecard
MIDWEST FAMILY
Charter #15007 · IN
MIDWEST FAMILY has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency ratio 3.96% above tier (higher cost structure)
- - Delinquency rate 0.67% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,596
-1.7% YoY-0.7% QoQ
|
-29 |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
61% |
| Assets |
$38.0M
+1.3% YoY+0.2% QoQ
|
+$8.1M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
68% |
| Loans |
$18.8M
-10.7% YoY-2.6% QoQ
|
+$3.1M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
68% |
| Deposits |
$34.3M
+0.5% YoY+0.6% QoQ
|
+$8.9M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
70% |
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| ROA |
0.5%
-58.4% YoY+8.9% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
35% |
| NIM |
3.7%
+10.3% YoY+1.5% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
85.4%
+11.8% YoY-0.2% QoQ
|
+4.0% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
68% |
| Delinquency Rate |
2.2%
+247.5% YoY+18.3% QoQ
|
+0.7 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
54.8%
-11.1% YoY-3.2% QoQ
|
-6.4% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
40% |
| AMR |
$20,476
-2.0% YoY+0.1% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
4.3%
+23.7% YoY+24.4% QoQ
|
-20.1% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% 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)