BlastPoint's Credit Union Scorecard

MID-STATE

Charter #6739 · NJ

<100M

2437 CUs in <100M nationally 97 in NJ

MID-STATE has 2 strengths but faces 3 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

+ Net Interest Margin 0.74% above tier average
+ Net Charge-Off Rate: Top 2.1% in tier

Key Concerns

Areas that may need attention

- ROA 0.64% below tier average
- Delinquency rate 0.26% above tier average
- Member decline: -2.9% YoY

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	1,139 -2.9% YoY0% QoQ	-1.4K	2,585 -1.7% YoY	7,520 +5.0% YoY	34,678 +6.6% YoY	32%
Assets	$23.4M -0.1% YoY-1.9% QoQ	$-6.9M	$30.3M +1.5% YoY	$121.5M +6.2% YoY	$593.1M +10.2% YoY	52%
Loans	$5.8M -10.2% YoY+1.9% QoQ	$-9.6M	$15.5M -1.7% YoY	$76.8M +8.6% YoY	$418.6M +10.1% YoY	38%
Deposits	$19.3M +1.0% YoY-1.3% QoQ	$-6.5M	$25.8M +1.1% YoY	$104.3M +6.9% YoY	$504.8M +10.3% 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	0.8% +101.9% YoY+304.6% QoQ	-0.6%	1.5% +241.5% YoY	0.9% +81.6% YoY	1.2% +121.4% YoY	52%
NIM	4.6% +4.0% YoY+13.0% QoQ	+0.7%	3.9% +0.9% YoY	3.9% +3.8% YoY	3.8% +2.3% YoY	80%
Efficiency Ratio	82.4% -10.0% YoY-13.4% QoQ	-6.4%	88.8% -6.9% YoY	85.3% -2.0% YoY	83.0% -5.3% YoY	54%
Delinquency Rate	1.8% +283.2% YoY+1205.8% QoQ	+0.3	1.5% +2.1% YoY	2.2% +22.2% YoY	1.3% +2.6% YoY	76%
Loan To Share	30.3% -11.1% YoY+3.2% QoQ	-28.6%	58.9% -3.1% YoY	52.7% +0.2% YoY	66.4% -1.4% YoY	Bottom 11.3% in tier
AMR	$22,088 +1.1% YoY-0.6% QoQ	+$7K	$14,963 -6.8% YoY	$16,658 -5.0% YoY	$20,028 -0.9% YoY	84%
CD Concentration	14.4% -19.2% YoY-9.2% QoQ	-10.1%	24.6%	14.8%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	1.1%	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 2437 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2437 Top 0.1% in <100M tier

Net Charge-Off Rate

risk

Value: -0.49%

Peer Median: 0.18%

#52 of 2437 Top 2.1% in <100M tier

379

Average Member Relationship (AMR)

engagement

Value: $22,088

Peer Median: $13,967

#379 of 2437 Top 15.5% in <100M tier

496

Net Interest Margin (NIM)

profitability

Value: 4.63%

Peer Median: 3.87%

#496 of 2437 Top 20.3% in <100M tier

Top Weaknesses (4 metrics)

2160

Loan-to-Share Ratio

balance_sheet

Value: 30.30%

Peer Median: 58.67%

#2160 of 2437 Bottom 11.4% in <100M tier

1911

Members Per Employee (MPE)

engagement

Value: 227.800

Peer Median: 328.333

#1911 of 2437 Bottom 21.6% in <100M tier

1894

Loan Growth Rate

growth

Value: -10.20%

Peer Median: -2.63%

#1894 of 2437 Bottom 22.3% in <100M tier

1847

Total Delinquency Rate (60+ days)

risk

Value: 1.81%

Peer Median: 0.70%

#1847 of 2437 Bottom 24.3% in <100M tier