BlastPoint's Credit Union Scorecard
MIDLAND
Charter #61918 · IA
MIDLAND has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Net Interest Margin 0.67% above tier average
- + Total Assets: Top 1.0% in tier
- + Total Loans: Top 1.1% in tier
- + Total Deposits: Top 2.4% in tier
- + Total Members: Top 6.9% in tier
- + Loan-to-Member Ratio (LMR): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.1% YoY
- - Indirect Auto Concentration (%): Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,588
-3.1% YoY-1.2% QoQ
|
+4.0K |
2,615
-1.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
Top 6.9% in tier |
| Assets |
$97.4M
+0.9% YoY-2.2% QoQ
|
+$67.3M |
$30.1M
+2.1% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
Top 1.0% in tier |
| Loans |
$64.9M
+5.1% YoY+3.8% QoQ
|
+$49.2M |
$15.8M
-1.3% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
Top 1.1% in tier |
| Deposits |
$81.4M
-0.6% YoY-2.9% QoQ
|
+$55.7M |
$25.7M
+1.4% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Top 2.4% in tier |
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| ROA |
0.9%
+62.0% YoY+1.4% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
4.6%
+16.4% YoY+2.2% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
71.7%
-5.8% YoY+0.9% QoQ
|
-10.8% |
82.6%
-2.3% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
0.6%
-4.0% YoY-26.9% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
79.8%
+5.7% YoY+6.9% QoQ
|
+19.1% |
60.6%
-3.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$22,212
+5.1% YoY+1.2% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 13.9% in tier |
| CD Concentration |
14.3%
+19.8% YoY-3.6% QoQ
|
-10.2% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
18.1%
-5.7% YoY+5.3% QoQ
|
+4.3% | 13.8% | 9.2% | 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)