BlastPoint's Credit Union Scorecard

MIDWEST MEMBERS

Charter #68684 · IL

1077 CUs in 100M-500M nationally 31 in IL

MIDWEST MEMBERS has 7 strengths but faces 8 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 5.4% in tier
+ Profitability Leader: Top 20.9% in tier
+ Credit Quality Leader: Top 85.5% in tier
+ ROA 0.97% above tier average
+ Net Interest Margin 0.25% above tier average
+ AMR Growth Rate: Top 1.9% in tier
+ Efficiency Ratio: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 0.2% in tier
- Stagnation Risk: Bottom 0.7% in tier
- Membership Headwinds: Bottom 1.2% in tier
- Credit Quality Pressure: Bottom 23.5% in tier
- Credit Risk Growth: Bottom 28.2% in tier
- Member decline: -13.4% YoY
- Member Growth Rate: Bottom 2.0% in tier
- Indirect Auto Concentration (%): Bottom 2.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	17,618 -13.4% YoY-0.2% QoQ	+2.0K	15,628 -3.4% YoY	21,352 +8.3% YoY	33,089 +6.1% YoY	66%
Assets	$211.3M +5.9% YoY+0.0% QoQ	$-20.0M	$231.3M -0.0% YoY	$379.6M +9.6% YoY	$547.7M +7.8% YoY	54%
Loans	$155.9M +1.8% YoY+1.1% QoQ	+$8.1M	$147.8M -1.4% YoY	$267.7M +12.9% YoY	$388.7M +8.6% YoY	63%
Deposits	$183.4M +4.0% YoY-0.5% QoQ	$-16.9M	$200.3M -0.0% YoY	$314.3M +10.4% YoY	$464.6M +9.3% YoY	54%

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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	1.8% +15.5% YoY+4.6% QoQ	+1.0%	0.8% +15.5% YoY	0.8% -108.9% YoY	0.7% +273.4% YoY	Top 6.0% in tier
NIM	3.8% +2.7% YoY+1.5% QoQ	+0.2%	3.6% +6.9% YoY	3.7% +5.1% YoY	3.7% +5.0% YoY	64%
Efficiency Ratio	59.3% -6.1% YoY-1.5% QoQ	-18.0%	77.3% -3.0% YoY	90.4% +10.2% YoY	79.1% -3.3% YoY	Bottom 7.8% in tier
Delinquency Rate	0.3% +18.9% YoY-14.2% QoQ	-0.5	0.9% +7.6% YoY	1.5% -12.1% YoY	1.2% -0.9% YoY	22%
Loan To Share	85.0% -2.1% YoY+1.6% QoQ	+12.3%	72.7% -1.5% YoY	62.3% -1.7% YoY	68.0% -1.7% YoY	75%
AMR	$19,260 +19.0% YoY+0.4% QoQ	$-5K	$24,363 +2.9% YoY	$15,032 +2.8% YoY	$19,418 +1.3% YoY	30%
CD Concentration	21.8% +10.0% YoY+9.6% QoQ	-2.6%	24.4% +4.2% YoY	13.7% +4.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	60.7% -1.6% YoY+1.8% QoQ	+46.7%	14.0% -5.7% YoY	7.2% +3.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#27 of 481 • Top 5.4% in tier

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

Why This Signature

AMR Growth (YoY): 18.99%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Profitability Leader

growth

#72 of 340 • Top 20.9% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.76%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.24% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Credit Quality Leader

growth

#291 of 340 • Top 85.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.35%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (5)

Indirect Auto Dependency

risk

#4 of 525 • Bottom 0.2% in tier

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

Why This Signature

Asset Growth (YoY): 5.88%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 60.68%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -13.45%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk

#13 of 550 • Bottom 0.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -13.45%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 1.83%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.35%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline

#20 of 550 • Bottom 1.2% in tier

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

Why This Signature

Member Growth (YoY): -13.45%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk

#583 of 736 • Bottom 23.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Credit Risk Growth

risk

#423 of 446 • Bottom 28.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.83%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | 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 1077 peers in tier

Top Strengths (5 metrics)

AMR Growth Rate

growth

Value: 18.99%

Peer Avg: -

#22 of 1077 Top 1.9% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.76%

Peer Avg: -

#65 of 1077 Top 5.9% in 100M-500M tier

Efficiency Ratio

profitability

Value: 59.28%

Peer Avg: -

#85 of 1077 Top 7.8% in 100M-500M tier

160

First Mortgage Concentration (%)

balance_sheet

Value: 11.68%

Peer Avg: -

#160 of 1077 Top 14.8% in 100M-500M tier

238

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Avg: -

#238 of 1077 Top 22.0% in 100M-500M tier

Top Weaknesses (2 metrics)

1056

Member Growth Rate

growth

Value: -13.45%

Peer Avg: -

#1056 of 1077 Bottom 2.0% in 100M-500M tier

1056

Indirect Auto Concentration (%)

balance_sheet

Value: 60.68%

Peer Avg: -

#1056 of 1077 Bottom 2.0% in 100M-500M tier