BlastPoint's Credit Union Scorecard
MID-STATE
Charter #6739 · NJ
MID-STATE has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Net Interest Margin 0.56% above tier average
- + Strong member growth: 35.0% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.9% in tier
- + Deposit Growth Rate: Top 2.8% in tier
- + Asset Growth Rate: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.79% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 2.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,150
+35.0% YoY-0.9% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$23.5M
+13.8% YoY+0.3% QoQ
|
$-6.7M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$6.0M
-1.4% YoY-0.9% QoQ
|
$-9.7M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$19.2M
+16.9% YoY+0.9% QoQ
|
$-6.4M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
0.8%
+1.4% YoY+1.2% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
4.5%
+8.5% YoY+3.6% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
84.3%
+1.6% YoY-0.1% QoQ
|
+1.8% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.8%
+657.2% YoY+88.4% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
31.4%
-15.6% YoY-1.8% QoQ
|
-29.2% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.1% in tier |
| AMR |
$21,987
-17.1% YoY+1.3% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Top 14.7% in tier |
| CD Concentration |
16.3%
-10.9% YoY-10.0% QoQ
|
-8.1% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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)