BlastPoint's Credit Union Scorecard
MID-ISLAND
Charter #23811 · 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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| 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)
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)