BlastPoint's Credit Union Scorecard
MIDWESTERN STATE UNIVERSITY
Charter #67549 · TX
MIDWESTERN STATE UNIVERSITY has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.68% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.75% below tier average
- - Efficiency ratio 18.99% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 3.0% in tier
- - AMR Growth Rate: Bottom 3.2% in tier
- - Deposit Growth Rate: Bottom 3.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -14.0% year over year ($3.6M in shares and deposits).
- Membership: 903 members, +2.0% vs a year ago.
- Delinquency rate 0.47%.
- Return on assets 0.74%.
- Efficiency ratio 107.75% vs a 88.77% peer average.
- Loan-to-share ratio 60.18% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
903
+2.0% YoY+0.3% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
26% |
| Assets |
$4.3M
-12.9% YoY-9.2% QoQ
|
$-26.0M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$2.1M
-15.2% YoY-7.8% QoQ
|
$-13.3M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
19% |
| Deposits |
$3.6M
-14.0% YoY-4.1% QoQ
|
$-22.2M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
17% |
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| ROA |
0.7%
-194.4% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
4.6%
-4.0% YoY+1.5% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
107.8%
+12.5% YoY+1.5% QoQ
|
+19.0% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.9% in tier |
| Delinquency Rate |
0.5%
+33.5% YoY-37.3% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
60.2%
-1.3% YoY-3.8% QoQ
|
+1.3% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$6,303
-16.2% YoY-5.8% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.4% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 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)