BlastPoint's Credit Union Scorecard
MID-CITIES
Charter #95073 · CA
MID-CITIES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.47% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 6.53% above tier (higher cost structure)
- - Member decline: -14.9% YoY
- - Net Worth Ratio: Bottom 2.0% in tier
- - Member Growth Rate: Bottom 3.0% in tier
- - Net Charge-Off Rate: Bottom 3.7% in tier
- - Loan Growth Rate: Bottom 7.0% in tier
- - First Mortgage Concentration (%): Bottom 8.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,350
-14.9% YoY-8.2% QoQ
|
-326 |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
58% |
| Assets |
$16.3M
-4.2% YoY+3.6% QoQ
|
$-13.9M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
43% |
| Loans |
$4.4M
-19.3% YoY-7.6% QoQ
|
$-10.9M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
31% |
| Deposits |
$14.9M
-4.6% YoY+3.4% QoQ
|
$-10.9M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
45% |
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| ROA |
0.0%
-101.7% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
22% |
| NIM |
4.5%
+2.4% YoY-2.9% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
97.2%
+5.7% YoY+0.7% QoQ
|
+6.5% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
81% |
| Delinquency Rate |
1.3%
-53.6% YoY-55.7% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
70% |
| Loan To Share |
29.2%
-15.4% YoY-10.6% QoQ
|
-29.3% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 10.9% in tier |
| AMR |
$8,207
+7.7% YoY+9.7% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
9.2%
-23.9% YoY-12.8% QoQ
|
-15.1% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % |
6.0%
-16.5% QoQ
|
-7.8% | 13.8% | 9.0% | 7.7% | 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)