MID AMERICAN

Charter #65378 | KS

500M-750M (169 CUs) Community (281 CUs)
4 500M-750M in KS

MID AMERICAN has 10 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 3.5% in tier
  • + Relationship Depth Leader: Top 20.5% in tier
  • + Organic Growth Engine: Top 29.0% in tier
  • + Net Interest Margin 0.00% above tier average
  • + Loan-to-Share Ratio: Top 1.8% in tier
  • + First Mortgage Concentration (%): Top 4.7% in tier
  • + AMR Growth Rate: Top 5.3% in tier
  • + Loan Growth Rate: Top 7.7% in tier
  • + Asset Growth Rate: Top 8.3% in tier
  • + Deposit Growth Rate: Top 8.3% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 0.4% in tier
  • - Indirect Auto Dependency: Bottom 0.5% in tier
  • - ROA 0.01% below tier average
  • - Total Assets: Bottom 0.6% in tier
  • - Indirect Auto Concentration (%): Bottom 1.2% in tier
  • - Total Deposits: Bottom 1.2% in tier
  • - Average Member Relationship (AMR): Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Members 46,606
+2.1% YoY+0.6% QoQ
 +6.9K 39,752
-2.7% YoY
 17,915
-2.9% YoY
 33,089
+6.1% YoY
 Top 22.5% in tier
Assets $501.1M
+11.0% YoY+1.3% QoQ
 $-121.3M $622.4M
+0.3% YoY
 $244.1M
-6.9% YoY
 $547.7M
+7.8% YoY
 Bottom 0.0% in tier
Loans $455.3M
+13.9% YoY+3.6% QoQ
 +$19.4M $435.9M
-0.4% YoY
 $175.9M
-4.8% YoY
 $388.7M
+8.6% YoY
 60th in tier
Deposits $417.2M
+12.2% YoY+1.1% QoQ
 $-120.8M $538.0M
+1.3% YoY
 $209.0M
-2.4% YoY
 $464.6M
+9.3% YoY
 Bottom 0.6% in tier
ROA 0.6%
+191.6% YoY+27.4% QoQ
 -0.0% 0.7%
+33.9% YoY
 0.7%
+53.0% YoY
 0.7%
+273.4% YoY
 53rd in tier
NIM 3.4%
+7.6% YoY+0.1% QoQ
 +0.0% 3.4%
+8.6% YoY
 4.0%
+8.4% YoY
 3.7%
+5.0% YoY
 48th in tier
Efficiency Ratio 77.7%
-7.4% YoY-1.6% QoQ
 -0.4% 78.1%
-3.4% YoY
 77.0%
-6.2% YoY
 79.1%
-3.3% YoY
 46th in tier
Delinquency Rate 0.5%
-5.6% YoY+9.3% QoQ
 -0.3 0.8%
-4.9% YoY
 1.2%
-23.8% YoY
 1.2%
-0.9% YoY
 37th in tier
Loan To Share 109.1%
+1.5% YoY+2.5% QoQ
 +28.1% 81.0%
-1.8% YoY
 71.9%
-2.0% YoY
 68.0%
-1.7% YoY
 Top 2.4% in tier
AMR $18,722
+10.8% YoY+1.8% QoQ
 $-8K $26,482
+2.6% YoY
 $16,347
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 8.9% in tier
CD Concentration 36.0%
+6.1% YoY-1.1% QoQ
 +11.6% 24.4%
+4.2% YoY
 24.2%
-2.2% YoY
 19.6%
+6.2% YoY
 Top 13.7% in tier
Indirect Auto % 67.4%
-2.2% YoY-1.1% QoQ
 +53.5% 14.0%
-5.8% YoY
 12.4%
-5.6% YoY
 7.9%
-2.9% YoY
 Top 1.5% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#97 of 1006 • Top 3.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 10.77%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#566 of 1006 • Top 20.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 10.77%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.2K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Organic Growth Engine

growth
#532 of 603 • Top 29.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.09%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.65%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 67.41%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (2)

Liquidity Strain

risk
#4 of 258 • Bottom 0.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 109.12%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 13.91%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#9 of 525 • Bottom 0.5% in tier

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

Why This Signature
Asset Growth (YoY): 10.98%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 67.41%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.09%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

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)

Comparing against 169 peers in tier

Top Strengths (8 metrics)

4
Loan-to-Share Ratio
balance_sheet
Value: 109.12%
Peer Avg: 81.02%
#4 of 169 Top 1.8% in 500M-750M tier
9
First Mortgage Concentration (%)
balance_sheet
Value: 11.57%
Peer Avg: 33.53%
#9 of 169 Top 4.7% in 500M-750M tier
10
AMR Growth Rate
growth
Value: 10.77%
Peer Avg: 3.12%
#10 of 169 Top 5.3% in 500M-750M tier
14
Loan Growth Rate
growth
Value: 13.91%
Peer Avg: 4.04%
#14 of 169 Top 7.7% in 500M-750M tier
15
Asset Growth Rate
growth
Value: 10.98%
Peer Avg: 4.33%
#15 of 169 Top 8.3% in 500M-750M tier
15
Deposit Growth Rate
growth
Value: 12.19%
Peer Avg: 5.25%
#15 of 169 Top 8.3% in 500M-750M tier
25
Members Per Employee (MPE)
engagement
Value: 419.874
Peer Avg: 338.010
#25 of 169 Top 14.2% in 500M-750M tier
38
Total Members
engagement
Value: 46,606
Peer Avg: 39,752
#38 of 169 Top 21.9% in 500M-750M tier

Top Weaknesses (7 metrics)

169
Total Assets
balance_sheet
Value: $501.08M
Peer Avg: $622.38M
#169 of 169 Bottom 0.6% in 500M-750M tier
168
Indirect Auto Concentration (%)
balance_sheet
Value: 67.41%
Peer Avg: 16.19%
#168 of 169 Bottom 1.2% in 500M-750M tier
168
Total Deposits
balance_sheet
Value: $417.25M
Peer Avg: $538.02M
#168 of 169 Bottom 1.2% in 500M-750M tier
154
Average Member Relationship (AMR)
engagement
Value: $18,722
Peer Avg: $26,482
#154 of 169 Bottom 9.5% in 500M-750M tier
145
Share Certificate Concentration (%)
balance_sheet
Value: 36.03%
Peer Avg: 26.87%
#145 of 169 Bottom 14.8% in 500M-750M tier
136
Fee Income Per Member
profitability
Value: $141.76
Peer Avg: $199.27
#136 of 169 Bottom 20.1% in 500M-750M tier
136
Net Worth Ratio
risk
Value: 8.99%
Peer Avg: 10.94%
#136 of 169 Bottom 20.1% in 500M-750M tier