BlastPoint's Credit Union Scorecard

MIDLAND

Charter #61918 · IA

100M-500M

1070 CUs in 100M-500M nationally 19 in IA

MIDLAND has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.28% above tier average
+ Net Interest Margin 0.90% above tier average

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Member decline: -3.1% YoY
- Total Assets: Bottom 0.3% in tier
- Total Deposits: Bottom 0.8% in tier
- Total Members: Bottom 9.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	6,556 -3.1% YoY-0.5% QoQ	-8.6K	15,145 -2.5% YoY	24,966 +0.1% YoY	33,913 +5.7% YoY	Bottom 9.0% in tier
Assets	$100.5M -0.2% YoY+3.1% QoQ	$-131.2M	$231.7M +0.8% YoY	$536.2M +6.4% YoY	$578.3M +9.0% YoY	Bottom 0.2% in tier
Loans	$66.2M +7.2% YoY+1.9% QoQ	$-78.0M	$144.1M +0.2% YoY	$422.1M +5.8% YoY	$402.4M +8.7% YoY	Bottom 14.3% in tier
Deposits	$84.1M -1.9% YoY+3.3% QoQ	$-117.1M	$201.1M +0.4% YoY	$445.2M +6.5% YoY	$494.3M +9.1% YoY	Bottom 0.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +240.1% YoY+9.7% QoQ	+0.3%	0.7% +5.1% YoY	0.9% +9.6% YoY	0.4% -39.2% YoY	70%
NIM	4.5% +9.1% YoY-2.2% QoQ	+0.9%	3.6% +4.6% YoY	3.8% +3.9% YoY	3.8% +4.1% YoY	Top 9.3% in tier
Efficiency Ratio	77.0% -1.1% YoY+7.4% QoQ	-1.0%	78.0% -1.7% YoY	75.3% -1.6% YoY	84.6% +2.8% YoY	43%
Delinquency Rate	0.5% -64.3% YoY-21.1% QoQ	-0.3	0.8% +7.1% YoY	1.1% -19.0% YoY	1.2% +3.4% YoY	39%
Loan To Share	78.7% +9.3% YoY-1.3% QoQ	+8.3%	70.4% -0.4% YoY	74.3% -0.3% YoY	65.6% -1.4% YoY	65%
AMR	$22,916 +5.1% YoY+3.2% QoQ	$-2K	$24,918 +2.7% YoY	$21,379 +4.7% YoY	$19,920 +1.6% YoY	50%
CD Concentration	14.2% +7.9% YoY-0.5% QoQ	-10.1%	24.3%	21.8%	19.8%	50%
Indirect Auto %	18.4% -1.2% YoY+1.6% QoQ	+4.6%	13.8%	9.2%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#472 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.14%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline

#257 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.06%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#427 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.06%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 7.20%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.47%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#460 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.19%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 18.40%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -3.06%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (2 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.53%

Peer Median: 3.62%

#99 of 1070 Top 9.2% in 100M-500M tier

216

Share Certificate Concentration (%)

balance_sheet

Value: 14.21%

Peer Median: 23.10%

#216 of 1070 Top 20.1% in 100M-500M tier

Top Weaknesses (7 metrics)

1068

Total Assets

balance_sheet

Value: $100.47M

Peer Median: $196.57M

#1068 of 1070 Bottom 0.3% in 100M-500M tier

1062

Total Deposits

balance_sheet

Value: $84.06M

Peer Median: $171.29M

#1062 of 1070 Bottom 0.8% in 100M-500M tier

974

Total Members

engagement

Value: 6,556

Peer Median: 13,200

#974 of 1070 Bottom 9.1% in 100M-500M tier

957

Deposit Growth Rate

growth

Value: -1.88%

Peer Median: 3.30%

#957 of 1070 Bottom 10.7% in 100M-500M tier

917

Total Loans

balance_sheet

Value: $66.18M

Peer Median: $121.41M

#917 of 1070 Bottom 14.4% in 100M-500M tier

899

Asset Growth Rate

growth

Value: -0.19%

Peer Median: 3.91%

#899 of 1070 Bottom 16.1% in 100M-500M tier

856

Member Growth Rate

growth

Value: -3.06%

Peer Median: -0.06%

#856 of 1070 Bottom 20.1% in 100M-500M tier