BlastPoint's Credit Union Scorecard
MIDWEST REGIONAL
Charter #60037 · KS
MIDWEST REGIONAL has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 0.10% above tier average
- + Strong member growth: 25.2% YoY
- + Member Growth Rate: Top 1.3% in tier
- + Total Members: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 1.4% in tier
- - Indirect Auto Concentration (%): Bottom 3.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,451
+25.2% YoY-0.3% QoQ
|
+4.8K |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
Top 4.6% in tier |
| Assets |
$71.2M
-2.9% YoY-0.6% QoQ
|
+$41.1M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
Top 11.9% in tier |
| Loans |
$31.7M
-4.7% YoY-2.1% QoQ
|
+$15.9M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$62.8M
-4.4% YoY-1.2% QoQ
|
+$37.1M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
Top 10.7% in tier |
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| ROA |
0.9%
+2.1% YoY+0.7% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
4.1%
+7.6% YoY+1.0% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
73.8%
+5.6% YoY-0.2% QoQ
|
-8.8% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.9%
+2.7% YoY+47.7% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
50.5%
-0.3% YoY-0.9% QoQ
|
-10.2% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$12,682
-23.7% YoY-1.2% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
9.5%
+25.7% YoY+1.4% QoQ
|
-14.9% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % |
36.3%
-30.4% YoY+1.6% QoQ
|
+22.5% | 13.8% | 12.2% | 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)