BlastPoint's Credit Union Scorecard

MIDWEST MEMBERS

Charter #68684 · IL

100M-500M

1070 CUs in 100M-500M nationally 28 in IL

MIDWEST MEMBERS has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.83% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Concentration (%): Bottom 2.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	17,581 -1.2% YoY-0.1% QoQ	+2.4K	15,145 -2.5% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	68%
Assets	$226.5M +6.9% YoY+5.8% QoQ	$-5.2M	$231.7M +0.8% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	58%
Loans	$161.8M +5.6% YoY+0.3% QoQ	+$17.7M	$144.1M +0.2% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	66%
Deposits	$196.4M +5.6% YoY+6.1% QoQ	$-4.8M	$201.1M +0.4% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	58%

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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	1.6% -6.2% YoY-13.0% QoQ	+0.8%	0.7% +5.1% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	Top 9.8% in tier
NIM	3.6% -3.8% YoY-6.0% QoQ	+0.0%	3.6% +4.6% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	48%
Efficiency Ratio	64.9% +3.1% YoY+9.7% QoQ	-13.1%	78.0% -1.7% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	Top 15.0% in tier
Delinquency Rate	0.3% -57.3% YoY-50.1% QoQ	-0.5	0.8% +7.1% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	18%
Loan To Share	82.4% -0.0% YoY-5.5% QoQ	+12.0%	70.4% -0.4% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	74%
AMR	$20,375 +6.8% YoY+3.4% QoQ	$-5K	$24,918 +2.7% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	34%
CD Concentration	21.8% +16.7% YoY-2.7% QoQ	-2.4%	24.3%	14.0%	19.8%	50%
Indirect Auto %	60.3% +3.7% YoY-1.5% QoQ	+46.5%	13.8%	7.2%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#296 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.83%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (4)

Indirect Auto Dependency

risk

#7 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.92%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 60.30%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.15%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Margin Compression

decline

#79 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.56%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.66%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.10% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Membership Headwinds

decline

#469 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.15%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#545 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.15%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 5.59%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.25%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (6 metrics)

105

Return on Assets (ROA)

profitability

Value: 1.56%

Peer Median: 0.69%

#105 of 1070 Top 9.7% in 100M-500M tier

149

First Mortgage Concentration (%)

balance_sheet

Value: 10.88%

Peer Median: 29.47%

#149 of 1070 Top 13.8% in 100M-500M tier

162

Efficiency Ratio

profitability

Value: 64.90%

Peer Median: 78.68%

#162 of 1070 Top 15.0% in 100M-500M tier

195

Total Delinquency Rate (60+ days)

risk

Value: 0.25%

Peer Median: 0.61%

#195 of 1070 Top 18.1% in 100M-500M tier

229

AMR Growth Rate

growth

Value: 6.83%

Peer Median: 3.46%

#229 of 1070 Top 21.3% in 100M-500M tier

268

Asset Growth Rate

growth

Value: 6.92%

Peer Median: 3.91%

#268 of 1070 Top 25.0% in 100M-500M tier

Top Weaknesses (1 metrics)

1047

Indirect Auto Concentration (%)

balance_sheet

Value: 60.30%

Peer Median: 6.61%

#1047 of 1070 Bottom 2.2% in 100M-500M tier