BlastPoint's Credit Union Scorecard
MID AMERICAN
Charter #65378 · KS
MID AMERICAN has 8 strengths but faces 6 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 7.2% in tier
- + ROA 0.29% above tier average
- + Net Interest Margin 0.12% above tier average
- + Loan-to-Share Ratio: Top 1.2% in tier
- + Deposit Growth Rate: Top 3.6% in tier
- + First Mortgage Concentration (%): Top 3.6% in tier
- + Asset Growth Rate: Top 4.2% in tier
- + AMR Growth Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.0% in tier
- - Indirect Auto Dependency: Bottom 5.3% in tier
- - Credit Risk Growth: Bottom 7.3% in tier
- - Credit Quality Pressure: Bottom 48.3% in tier
- - Indirect Auto Concentration (%): Bottom 1.2% in tier
- - Total Deposits: Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,000
+2.6% YoY+0.7% QoQ
|
+8.9K |
38,079
-4.8% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
Top 15.0% in tier |
| Assets |
$521.0M
+12.6% YoY+1.9% QoQ
|
$-98.7M |
$619.7M
-0.2% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.2% in tier |
| Loans |
$474.8M
+14.6% YoY+2.1% QoQ
|
+$55.5M |
$419.3M
-1.4% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
72% |
| Deposits |
$437.0M
+13.5% YoY+2.2% QoQ
|
$-102.5M |
$539.5M
-0.1% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.2% in tier |
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| ROA |
1.0%
+140.7% YoY+37.6% QoQ
|
+0.3% |
0.7%
+36.0% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
72% |
| NIM |
3.6%
+4.6% YoY+3.5% QoQ
|
+0.1% |
3.5%
+4.5% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
62% |
| Efficiency Ratio |
68.4%
-16.1% YoY-10.0% QoQ
|
-10.0% |
78.4%
-3.7% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
16% |
| Delinquency Rate |
0.5%
+5.6% YoY-3.1% QoQ
|
-0.2 |
0.7%
-0.9% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
39% |
| Loan To Share |
108.7%
+1.0% YoY-0.1% QoQ
|
+31.0% |
77.7%
-1.2% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
Top 1.8% in tier |
| AMR |
$19,401
+11.1% YoY+1.4% QoQ
|
$-8K |
$26,927
+3.1% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.2% in tier |
| CD Concentration |
34.9%
-8.6% YoY+0.5% QoQ
|
+10.7% | 24.3% | 24.3% | 19.8% | Top 14.6% in tier |
| Indirect Auto % |
67.4%
-1.9% YoY+0.6% QoQ
|
+53.6% | 13.8% | 12.2% | 7.7% | Bottom 1.5% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)