BlastPoint's Credit Union Scorecard
MID PLAINS
Charter #67812 · KS
MID PLAINS has 3 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.66% below tier average
- - Efficiency ratio 16.60% above tier (higher cost structure)
- - Delinquency rate 1.06% above tier average
- - Member decline: -2.8% YoY
- - Share Certificate Concentration (%): Bottom 0.6% in tier
- - Net Charge-Off Rate: Bottom 3.5% in tier
- - Total Members: Bottom 5.9% in tier
- - Total Assets: Bottom 6.4% in tier
- - Total Deposits: Bottom 6.8% in tier
- - Members Per Employee (MPE): Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
239
-2.8% YoY-0.4% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
Bottom 5.7% in tier |
| Assets |
$1.1M
+2.3% YoY-0.8% QoQ
|
$-28.7M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.4% in tier |
| Loans |
$849,308
-5.1% YoY-4.0% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.4% in tier |
| Deposits |
$908,043
+2.2% YoY-1.3% QoQ
|
$-24.5M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.7% in tier |
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| ROA |
0.0%
-96.4% YoY-115.0% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
17% |
| NIM |
3.2%
-20.3% YoY+12.2% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
25% |
| Efficiency Ratio |
98.0%
+15.5% YoY-6.6% QoQ
|
+16.6% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 12.7% in tier |
| Delinquency Rate |
2.6%
-22.8% YoY-39.7% QoQ
|
+1.1 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
Top 14.5% in tier |
| Loan To Share |
93.5%
-7.2% YoY-2.8% QoQ
|
+32.3% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
Top 8.3% in tier |
| AMR |
$7,353
+1.4% YoY-2.2% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration |
71.1%
-1.0% YoY-2.2% QoQ
|
+46.7% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
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)