BlastPoint's Credit Union Scorecard
MID-STATE
Charter #6739 ยท NJ
2596 CUs in <100M nationally
101 in NJ
MID-STATE has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Net Interest Margin 0.42% above tier average
- + Strong member growth: 35.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.0% in tier
- + Deposit Growth Rate: Top 3.3% in tier
- + Asset Growth Rate: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.07% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 2.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,160
+35.7% YoY-1.1% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
32% |
| Assets |
$23.4M
+13.2% YoY-0.1% QoQ
|
$-6.5M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
52% |
| Loans |
$6.1M
-5.7% YoY-6.4% QoQ
|
$-9.7M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$19.1M
+16.1% YoY-0.2% QoQ
|
$-6.4M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
51% |
| ROA |
0.8%
-1.4% YoY+89.9% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
4.4%
+8.6% YoY-2.3% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
84.5%
+2.4% YoY-7.7% QoQ
|
+3.1% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.4%
-87.5% YoY-14.3% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
38% |
| Loan To Share |
32.0%
-18.8% YoY-6.2% QoQ
|
-29.3% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.7% in tier |
| AMR |
$21,704
-19.0% YoY-0.7% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
85% |
| CD Concentration |
18.2%
-1.8% YoY+1.8% QoQ
|
-6.2% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
27
Member Growth Rate
growth
Value:
35.67%
Peer Avg: 14.92%
#27 of 2596
Top 1.0% in <100M tier
86
Deposit Growth Rate
growth
Value:
16.10%
Peer Avg: 16.80%
#86 of 2596
Top 3.3% in <100M tier
117
Asset Growth Rate
growth
Value:
13.21%
Peer Avg: 1.82%
#117 of 2596
Top 4.5% in <100M tier
317
Fee Income Per Member
profitability
Value:
$159.32
Peer Avg: $182.96
#317 of 2596
Top 12.2% in <100M tier
391
Average Member Relationship (AMR)
engagement
Value:
$21,704
Peer Avg: $14,627
#391 of 2596
Top 15.0% in <100M tier
Top Weaknesses (3 metrics)
2532
AMR Growth Rate
growth
Value:
-18.95%
Peer Avg: 4.67%
#2532 of 2596
Bottom 2.5% in <100M tier
2306
Members Per Employee (MPE)
engagement
Value:
165.714
Peer Avg: 365.701
#2306 of 2596
Bottom 11.2% in <100M tier
2288
Loan-to-Share Ratio
balance_sheet
Value:
31.97%
Peer Avg: 61.23%
#2288 of 2596
Bottom 11.9% in <100M tier