MID-CITIES
Charter #95073 | CA
<100M
(2596 CUs)
Micro
($0-$500M)
92 <100M in 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
|
62nd in tier |
| 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
|
42nd in tier |
| 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
|
34th in tier |
| 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
|
45th in tier |
| 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
|
74th in tier |
| 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
|
Top 17.1% in tier |
| 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
|
Bottom 16.6% in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (2 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
572
Members Per Employee (MPE)
engagement
Value:
438.333
Peer Avg: 365.701
#572 of 2596
Top 22.0% in <100M tier
Top Weaknesses (13 metrics)
2541
Member Growth Rate
growth
Value:
-17.40%
Peer Avg: 14.92%
#2541 of 2596
Bottom 2.2% in <100M tier
2514
Net Charge-Off Rate
risk
Value:
2.93%
Peer Avg: 0.57%
#2514 of 2596
Bottom 3.2% in <100M tier
2505
Asset Growth Rate
growth
Value:
-12.15%
Peer Avg: 1.82%
#2505 of 2596
Bottom 3.5% in <100M tier
2502
Net Worth Ratio
risk
Value:
7.70%
Peer Avg: 16.43%
#2502 of 2596
Bottom 3.7% in <100M tier
2455
Deposit Growth Rate
growth
Value:
-11.77%
Peer Avg: 16.80%
#2455 of 2596
Bottom 5.5% in <100M tier
2447
Loan Growth Rate
growth
Value:
-20.41%
Peer Avg: 59.01%
#2447 of 2596
Bottom 5.8% in <100M tier
2390
Return on Assets (ROA)
profitability
Value:
-0.61%
Peer Avg: 0.68%
#2390 of 2596
Bottom 8.0% in <100M tier
2368
First Mortgage Concentration (%)
balance_sheet
Value:
47.71%
Peer Avg: 14.49%
#2368 of 2596
Bottom 8.8% in <100M tier
2294
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,871
Peer Avg: $5,488
#2294 of 2596
Bottom 11.7% in <100M tier
2286
Total Delinquency Rate (60+ days)
risk
Value:
2.98%
Peer Avg: 1.51%
#2286 of 2596
Bottom 12.0% in <100M tier