BlastPoint's Credit Union Scorecard

MID-ISLAND

Charter #23811 · VI

<100M
2556 CUs in <100M nationally 5 in VI

MID-ISLAND demonstrates 3 strengths

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.02% above tier average
  • + Net Interest Margin 0.98% above tier average
  • + Loan Growth Rate: Top 4.1% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (VI) National Avg Tier Percentile
Members 2,373
+2.3% YoY-0.1% QoQ
-242 2,615
-1.9% YoY
3,601
+2.7% YoY
33,374
+5.7% YoY
58%
Assets $18.1M
+7.1% YoY-0.8% QoQ
$-12.1M $30.1M
+2.1% YoY
$33.3M
+4.2% YoY
$561.6M
+9.7% YoY
46%
Loans $5.0M
+18.5% YoY+4.8% QoQ
$-10.7M $15.8M
-1.3% YoY
$12.9M
+5.2% YoY
$397.0M
+8.8% YoY
34%
Deposits $16.1M
+5.3% YoY-1.4% QoQ
$-9.6M $25.7M
+1.4% YoY
$26.7M
+2.3% YoY
$477.3M
+9.7% YoY
47%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.6%
+22.3% YoY-13.8% QoQ
+1.0% 0.6%
+10.8% YoY
0.6%
-9.0% YoY
0.7%
+15.9% YoY
Top 12.7% in tier
NIM 4.9%
+12.8% YoY+2.8% QoQ
+1.0% 4.0%
+4.0% YoY
4.6%
+11.2% YoY
3.8%
+5.1% YoY
84%
Efficiency Ratio 68.3%
-0.9% YoY+9.6% QoQ
-14.3% 82.6%
-2.3% YoY
86.6%
+5.4% YoY
79.7%
-3.3% YoY
24%
Delinquency Rate 0.4%
-27.7% YoY-72.0% QoQ
-1.2 1.6%
-3.1% YoY
1.5%
+184.0% YoY
1.3%
-2.1% YoY
35%
Loan To Share 31.4%
+12.5% YoY+6.3% QoQ
-29.2% 60.6%
-3.1% YoY
39.1%
+2.7% YoY
67.4%
-1.7% YoY
Bottom 11.0% in tier
AMR $8,887
+5.7% YoY+0.1% QoQ
$-6K $14,783
-1.4% YoY
$9,420
+0.8% YoY
$19,687
+2.0% YoY
23%
CD Concentration 0.0% -24.4% 24.4% 5.0% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 0.0% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2556 peers in tier

Top Strengths (11 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.1% in <100M tier
105
Loan Growth Rate
growth
Value: 18.52%
Peer Median: -
#105 of 2556 Top 4.1% in <100M tier
325
Return on Assets (ROA)
profitability
Value: 1.64%
Peer Median: -
#325 of 2556 Top 12.7% in <100M tier
352
Member Growth Rate
growth
Value: 2.33%
Peer Median: -
#352 of 2556 Top 13.7% in <100M tier
400
Net Interest Margin (NIM)
profitability
Value: 4.93%
Peer Median: -
#400 of 2556 Top 15.6% in <100M tier
424
Asset Growth Rate
growth
Value: 7.11%
Peer Median: -
#424 of 2556 Top 16.5% in <100M tier
604
AMR Growth Rate
growth
Value: 5.72%
Peer Median: -
#604 of 2556 Top 23.6% in <100M tier
622
Efficiency Ratio
profitability
Value: 68.30%
Peer Median: -
#622 of 2556 Top 24.3% in <100M tier

Top Weaknesses (5 metrics)

2272
Loan-to-Share Ratio
balance_sheet
Value: 31.37%
Peer Median: -
#2272 of 2556 Bottom 11.2% in <100M tier
2191
Loan-to-Member Ratio (LMR)
engagement
Value: $2,122
Peer Median: -
#2191 of 2556 Bottom 14.3% in <100M tier
2095
Net Worth Ratio
risk
Value: 10.22%
Peer Median: -
#2095 of 2556 Bottom 18.1% in <100M tier
1969
Average Member Relationship (AMR)
engagement
Value: $8,887
Peer Median: -
#1969 of 2556 Bottom 23.0% in <100M tier
1927
Fee Income Per Member
profitability
Value: $18.18
Peer Median: -
#1927 of 2556 Bottom 24.6% in <100M tier
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