BlastPoint's Credit Union Scorecard
MIDWEST COMMUNITY
Charter #9522 · OH
MIDWEST COMMUNITY has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.20% above tier average
- + Net Interest Margin 0.19% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency ratio 0.39% above tier (higher cost structure)
- - Delinquency rate 0.17% above tier average
- - Net Worth Ratio: Bottom 6.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 40 that size in Ohio.
- Shares and deposits +6.4% year over year ($247M in shares and deposits).
- Membership: 14,521 members, +3.1% vs a year ago.
- Delinquency rate 1.05%.
- Return on assets 1.07%.
- Efficiency ratio 77.12% vs a 76.73% peer average.
- Loan-to-share ratio 76.91% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,521
+3.1% YoY+1.4% QoQ
|
-647 |
15,168
-2.6% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
57% |
| Assets |
$267.2M
+7.1% YoY+3.3% QoQ
|
+$35.2M |
$232.0M
+0.7% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
67% |
| Loans |
$189.6M
+6.4% YoY+5.0% QoQ
|
+$43.3M |
$146.3M
+0.2% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
73% |
| Deposits |
$246.5M
+6.4% YoY+3.4% QoQ
|
+$45.8M |
$200.7M
+0.2% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
70% |
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| ROA |
1.1%
+103.9% YoY+2.1% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
69% |
| NIM |
3.9%
+9.1% YoY+0.6% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
63% |
| Efficiency Ratio |
77.1%
-9.9% YoY+0.2% QoQ
|
+0.4% |
76.7%
-0.8% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
49% |
| Delinquency Rate |
1.1%
+73.8% YoY+74.5% QoQ
|
+0.2 |
0.9%
+6.6% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
70% |
| Loan To Share |
76.9%
+0.0% YoY+1.5% QoQ
|
+5.4% |
71.5%
-0.3% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
57% |
| AMR |
$30,034
+3.1% YoY+2.7% QoQ
|
+$5K |
$25,107
+3.2% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
80% |
| CD Concentration |
25.7%
-9.1% YoY-4.2% QoQ
|
+1.1% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % |
16.5%
+17.3% YoY+7.5% QoQ
|
+2.9% | 13.6% | 11.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)