BlastPoint's Credit Union Scorecard
MID-CITIES
Charter #95073 · CA
MID-CITIES has 2 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.59% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.29% below tier average
- - Efficiency ratio 12.87% above tier (higher cost structure)
- - Delinquency rate 1.47% above tier average
- - Member decline: -17.4% YoY
- - Member Growth Rate: Bottom 2.2% in tier
- - Net Charge-Off Rate: Bottom 3.2% in tier
- - Asset Growth Rate: Bottom 3.5% in tier
- - Net Worth Ratio: Bottom 3.7% in tier
- - Deposit Growth Rate: Bottom 5.5% in tier
- - Loan Growth Rate: Bottom 5.8% in tier
- - First Mortgage Concentration (%): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,630
-17.4% YoY-2.5% QoQ
|
+4 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$15.8M
-12.2% YoY-4.0% QoQ
|
$-14.0M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$4.9M
-20.4% YoY-1.2% QoQ
|
$-10.8M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
34% |
| Deposits |
$14.5M
-11.8% YoY-4.1% QoQ
|
$-10.9M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
45% |
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| ROA |
-0.6%
-62.1% YoY+210.2% QoQ
|
-1.3% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.9% in tier |
| NIM |
4.5%
+7.7% YoY+3.1% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
94.3%
-19.4% YoY+2.4% QoQ
|
+12.9% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
83% |
| Delinquency Rate |
3.0%
+68.3% YoY-3.8% QoQ
|
+1.5 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Top 12.0% in tier |
| Loan To Share |
33.9%
-9.8% YoY+3.0% QoQ
|
-27.4% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.0% in tier |
| AMR |
$7,394
+4.0% YoY-0.9% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
17% |
| CD Concentration |
10.5%
-37.4% YoY-6.5% QoQ
|
-13.9% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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)