BlastPoint's Credit Union Scorecard
MID-CITIES
Charter #95073 · CA
MID-CITIES has 1 strength but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.66% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.46% below tier average
- - Efficiency ratio 13.94% above tier (higher cost structure)
- - Delinquency rate 1.31% above tier average
- - Member decline: -10.8% YoY
- - Net Worth Ratio: Bottom 2.2% in tier
- - Net Charge-Off Rate: Bottom 2.6% in tier
- - Asset Growth Rate: Bottom 4.0% in tier
- - Member Growth Rate: Bottom 4.8% in tier
- - Loan Growth Rate: Bottom 6.3% in tier
- - Deposit Growth Rate: Bottom 7.2% in tier
- - First Mortgage Concentration (%): Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,561
-10.8% YoY-2.6% QoQ
|
-54 |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
61% |
| Assets |
$15.7M
-10.5% YoY-0.6% QoQ
|
$-14.4M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$4.7M
-19.2% YoY-4.1% QoQ
|
$-11.0M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$14.4M
-9.9% YoY-0.6% QoQ
|
$-11.3M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
-0.8%
-50.9% YoY+36.5% QoQ
|
-1.5% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.7% in tier |
| NIM |
4.6%
+6.0% YoY+1.8% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
96.5%
-18.0% YoY+2.4% QoQ
|
+13.9% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
85% |
| Delinquency Rate |
2.9%
-10.0% YoY-3.7% QoQ
|
+1.3 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Top 13.7% in tier |
| Loan To Share |
32.7%
-10.3% YoY-3.5% QoQ
|
-27.9% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.3% in tier |
| AMR |
$7,479
-1.7% YoY+1.1% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
10.5%
-36.4% YoY+0.6% QoQ
|
-13.9% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 7.2% | -6.6% | 13.8% | 9.2% | 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)