BlastPoint's Credit Union Scorecard
MID AMERICAN
Charter #65378 · KS
MID AMERICAN has 9 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does KS stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 20.0% 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
|
78% |
| 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
|
60% |
| 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 |
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| 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
|
53% |
| 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
|
48% |
| 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
|
46% |
| 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
|
37% |
| 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
|
+53.4% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
Top 1.5% in tier |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)