BlastPoint's Credit Union Scorecard

MID-STATE

Charter #6739 · NJ

<100M

2508 CUs in <100M nationally 97 in NJ

MID-STATE has 3 strengths but faces 2 concerns

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.06% above tier average
+ Net Interest Margin 0.09% above tier average
+ Net Charge-Off Rate: Top 1.4% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 4.49% above tier (higher cost structure)
- Member decline: -4.4% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	1,139 -4.4% YoY-1.0% QoQ	-1.5K	2,676 +1.6% YoY	7,451 +5.5% YoY	33,913 +5.7% YoY	32%
Assets	$23.8M +0.7% YoY+1.6% QoQ	$-6.4M	$30.2M +1.3% YoY	$121.0M +5.7% YoY	$578.3M +9.0% YoY	52%
Loans	$5.7M -13.3% YoY-4.9% QoQ	$-9.5M	$15.3M -2.0% YoY	$75.7M +10.1% YoY	$402.4M +8.7% YoY	38%
Deposits	$19.6M +1.8% YoY+1.6% QoQ	$-6.2M	$25.8M +0.7% YoY	$104.6M +7.1% YoY	$494.3M +9.1% YoY	51%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -78.1% YoY-74.0% QoQ	+0.1%	0.1% -77.6% YoY	0.4% -4.8% YoY	0.4% -39.2% YoY	30%
NIM	4.1% -6.8% YoY-9.1% QoQ	+0.1%	4.0% +4.0% YoY	3.8% +4.3% YoY	3.8% +4.1% YoY	62%
Efficiency Ratio	95.1% +16.6% YoY+12.8% QoQ	+4.5%	90.6% +6.5% YoY	85.6% -4.2% YoY	84.6% +2.8% YoY	78%
Delinquency Rate	0.1% -53.1% YoY-81.8% QoQ	-1.4	1.5% +3.8% YoY	2.4% +59.8% YoY	1.2% +3.4% YoY	25%
Loan To Share	29.4% -14.8% YoY-6.5% QoQ	-29.1%	58.5% -3.0% YoY	51.7% -1.0% YoY	65.6% -1.4% YoY	Bottom 11.2% in tier
AMR	$22,214 +2.4% YoY+1.0% QoQ	+$7K	$14,884 -1.7% YoY	$16,671 +1.3% YoY	$19,920 +1.6% YoY	Top 14.8% in tier
CD Concentration	15.9% -1.9% YoY-2.9% QoQ	-8.4%	24.3%	14.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	1.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Net Charge-Off Rate

risk

Value: -1.05%

Peer Median: 0.07%

#37 of 2508 Top 1.4% in <100M tier

371

Average Member Relationship (AMR)

engagement

Value: $22,214

Peer Median: $13,926

#371 of 2508 Top 14.8% in <100M tier

621

Total Delinquency Rate (60+ days)

risk

Value: 0.14%

Peer Median: 0.65%

#621 of 2508 Top 24.7% in <100M tier

Top Weaknesses (5 metrics)

2226

Loan-to-Share Ratio

balance_sheet

Value: 29.36%

Peer Median: 58.72%

#2226 of 2508 Bottom 11.3% in <100M tier

2154

Loan Growth Rate

growth

Value: -13.34%

Peer Median: -2.36%

#2154 of 2508 Bottom 14.2% in <100M tier

1993

Member Growth Rate

growth

Value: -4.37%

Peer Median: -1.37%

#1993 of 2508 Bottom 20.6% in <100M tier

1979

Members Per Employee (MPE)

engagement

Value: 227.800

Peer Median: 333.750

#1979 of 2508 Bottom 21.1% in <100M tier

1965

Efficiency Ratio

profitability

Value: 95.13%

Peer Median: 81.45%

#1965 of 2508 Bottom 21.7% in <100M tier