BlastPoint's Credit Union Scorecard

MIDWEST COMMUNITY

Charter #9522 · OH

100M-500M

1070 CUs in 100M-500M nationally 59 in OH

MIDWEST COMMUNITY has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.32% above tier average
+ Net Interest Margin 0.22% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Net Worth Ratio: Bottom 5.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	14,327 +2.9% YoY+1.0% QoQ	-818	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	56%
Assets	$258.7M +2.6% YoY+2.1% QoQ	+$27.0M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	66%
Loans	$180.6M +2.5% YoY+1.7% QoQ	+$36.5M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	71%
Deposits	$238.4M +1.4% YoY+1.9% QoQ	+$37.3M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	68%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% +279.9% YoY+39.9% QoQ	+0.3%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	72%
NIM	3.8% +11.9% YoY+2.2% QoQ	+0.2%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	66%
Efficiency Ratio	77.0% -15.7% YoY-6.1% QoQ	-1.1%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	43%
Delinquency Rate	0.6% +57.6% YoY+19.1% QoQ	-0.2	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	49%
Loan To Share	75.8% +1.1% YoY-0.1% QoQ	+5.3%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	57%
AMR	$29,247 -1.0% YoY+0.8% QoQ	+$4K	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	78%
CD Concentration	26.8% -6.3% YoY-3.2% QoQ	+2.6%	24.3%	19.4%	19.8%	50%
Indirect Auto %	15.4% +10.3% YoY+4.7% QoQ	+1.6%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk

#316 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.22% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#330 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 2.53%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.22% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Shrinking Wallet Share

decline

#207 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.96%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#496 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 2.61%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 15.37%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.87%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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 1070 peers in tier

Top Strengths (4 metrics)

183

Fee Income Per Member

profitability

Value: $224.17

Peer Median: $154.95

#183 of 1070 Top 17.0% in 100M-500M tier

212

Loan-to-Member Ratio (LMR)

engagement

Value: $12,606

Peer Median: $9,356

#212 of 1070 Top 19.7% in 100M-500M tier

224

Member Growth Rate

growth

Value: 2.87%

Peer Median: -0.06%

#224 of 1070 Top 20.8% in 100M-500M tier

232

Average Member Relationship (AMR)

engagement

Value: $29,247

Peer Median: $22,931

#232 of 1070 Top 21.6% in 100M-500M tier

Top Weaknesses (3 metrics)

1008

Net Worth Ratio

risk

Value: 8.36%

Peer Median: 11.45%

#1008 of 1070 Bottom 5.9% in 100M-500M tier

944

Members Per Employee (MPE)

engagement

Value: 231.081

Peer Median: 309.176

#944 of 1070 Bottom 11.9% in 100M-500M tier

899

AMR Growth Rate

growth

Value: -0.96%

Peer Median: 3.46%

#899 of 1070 Bottom 16.1% in 100M-500M tier