BlastPoint's Credit Union Scorecard
MID PLAINS
Charter #67812 · KS
MID PLAINS has 2 strengths but faces 11 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
Key Concerns
Areas that may need attention
- - ROA 0.64% below tier average
- - Efficiency ratio 13.11% above tier (higher cost structure)
- - Delinquency rate 5.29% above tier average
- - Share Certificate Concentration (%): Bottom 0.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.6% in tier
- - Net Charge-Off Rate: Bottom 4.8% in tier
- - Total Members: Bottom 5.7% in tier
- - Total Assets: Bottom 6.4% in tier
- - Total Deposits: Bottom 6.9% in tier
- - Members Per Employee (MPE): Bottom 7.4% in tier
- - Total Loans: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
239
-1.6% YoY0% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
Bottom 5.6% in tier |
| Assets |
$1.2M
+2.1% YoY+4.9% QoQ
|
$-29.0M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.4% in tier |
| Loans |
$815,227
-4.6% YoY-4.0% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.7% in tier |
| Deposits |
$963,185
+2.4% YoY+6.1% QoQ
|
$-24.7M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.9% in tier |
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| ROA |
-0.0%
-102.8% YoY-181.2% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
3.3%
-19.1% YoY+0.8% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
95.7%
+14.3% YoY-2.4% QoQ
|
+13.1% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
6.8%
+191.7% YoY+166.0% QoQ
|
+5.3 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
Top 3.6% in tier |
| Loan To Share |
84.6%
-6.8% YoY-9.5% QoQ
|
+24.0% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$7,441
+0.7% YoY+1.2% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
72.1%
-2.8% YoY+1.4% QoQ
|
+47.7% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 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)