BlastPoint's Credit Union Scorecard
MIDWEST LIBERTY
Charter #6466 · NE
MIDWEST LIBERTY has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Efficiency ratio 6.88% above tier (higher cost structure)
- - Delinquency rate 0.00% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,577
+1.9% YoY-0.2% QoQ
|
-38 |
2,615
-1.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
61% |
| Assets |
$25.1M
+3.2% YoY+6.7% QoQ
|
$-5.0M |
$30.1M
+2.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$16.9M
-3.9% YoY+0.2% QoQ
|
+$1.1M |
$15.8M
-1.3% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
65% |
| Deposits |
$22.2M
+2.4% YoY+7.0% QoQ
|
$-3.5M |
$25.7M
+1.4% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
0.0%
-112.7% YoY-116.9% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
5.0%
+0.9% YoY-0.4% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
Top 14.3% in tier |
| Efficiency Ratio |
89.4%
+6.9% YoY+0.0% QoQ
|
+6.9% |
82.6%
-2.3% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
1.6%
+103.0% YoY-5.9% QoQ
|
+0.0 |
1.6%
-3.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
76.1%
-6.2% YoY-6.4% QoQ
|
+15.5% |
60.6%
-3.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$15,146
-2.2% YoY+4.1% QoQ
|
+$363 |
$14,783
-1.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
34.9%
-8.0% YoY-8.4% QoQ
|
+10.5% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 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)