BlastPoint's Credit Union Scorecard
MID AMERICAN
Charter #65378 · KS
MID AMERICAN has 7 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 9.8% in tier
- + ROA 0.05% above tier average
- + Loan-to-Share Ratio: Top 1.2% in tier
- + First Mortgage Concentration (%): Top 4.2% in tier
- + Deposit Growth Rate: Top 6.1% in tier
- + Asset Growth Rate: Top 7.3% in tier
- + AMR Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.0% in tier
- - Indirect Auto Dependency: Bottom 7.6% in tier
- - Indirect Auto Concentration (%): Bottom 1.2% in tier
- - Total Deposits: Bottom 3.6% in tier
- - Total Assets: Bottom 6.1% in tier
- - Average Member Relationship (AMR): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,661
+1.8% YoY+0.1% QoQ
|
+8.1K |
38,575
-4.8% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$511.2M
+12.3% YoY+2.0% QoQ
|
$-110.5M |
$621.7M
+0.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.5% in tier |
| Loans |
$464.9M
+12.2% YoY+2.1% QoQ
|
+$35.1M |
$429.8M
-1.8% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
65% |
| Deposits |
$427.5M
+12.6% YoY+2.4% QoQ
|
$-111.2M |
$538.7M
+0.6% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
+139.0% YoY+9.7% QoQ
|
+0.1% |
0.7%
+42.9% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.5%
+8.0% YoY+1.0% QoQ
|
+0.0% |
3.4%
+8.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
76.1%
-6.9% YoY-2.1% QoQ
|
-1.4% |
77.5%
-4.1% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.5%
-1.5% YoY+3.9% QoQ
|
-0.3 |
0.8%
-1.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
108.8%
-0.3% YoY-0.3% QoQ
|
+28.9% |
79.8%
-2.3% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 1.8% in tier |
| AMR |
$19,125
+10.4% YoY+2.2% QoQ
|
$-8K |
$26,849
+2.7% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.3% in tier |
| CD Concentration |
34.7%
-6.8% YoY-3.6% QoQ
|
+10.3% | 24.4% | 24.6% | 19.8% | 84% |
| Indirect Auto % |
66.9%
-2.2% YoY-0.7% QoQ
|
+53.1% | 13.8% | 12.2% | 7.8% | 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 (2)
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.
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)