State credit union · Bethalto, Illinois · NCUA charter #63932
1st Midamerica
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $1.01B
- Total assets
- 63,868
- Members
- 12.9%
- Net-worth ratio
1st Midamerica scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.01B; members 63,868; net-worth ratio 12.92%; health rank #1,096 of 4,374; healthier than 73rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,096 of 4,374 health · 2025Q41st Midamerica · health 90/100 · $1.01B · 2025Q4
- CHARTER 90/100
- NCUSIF 12.9%
- CAMELS 0.50%
- HEALTH 0.77%
- NW $1.01B
- DELQ 63,868
- ROA #1,096/4,374
- ASSETS Matanuska Valley
- MEM 63932
Call Report peers
1st Midamerica in the assets neighbourhood
1st Midamerica's $1.01B assets sit next to Matanuska Valley ($1.01B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
1st Midamerica vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
1st Midamerica - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #63932: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where 1st Midamerica diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +17.27 pp (101.17% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Illinois standing for 1st Midamerica
- Health composite ranks #40 of 192 among scored Illinois credit unions.
- Assets rank #14 of 192 inside Illinois ($1.01B reported).
- Illinois membership ordinal: #12 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
1st Midamerica: 2025Q4 → 2026Q1
1st Midamerica: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $1.01B (2025Q4) to $1.01B (2026Q1).
- Net-worth ratio shifted +0.08 pp (12.84% → 12.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.92%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 9.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.92% | +1.74 pp |
| Delinquency Rate | 0.50% | -0.37 pp |
| Return on Assets | 0.77% | +0.26 pp |
| Member Growth | 1.06% | - |
| Loan-to-Share Ratio | 101.17% | +17.27 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - 1st Midamerica
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.01B | - |
| 2025Q4 | $1.01B | 63,868 |
| 2024Q4 | $1.00B | 63,200 |
| 2023Q4 | $964.5M | 63,126 |
Credit Union Details
- Charter Number
- 63932
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Illinois
- City
- Bethalto
- Data Quarter
- 2025Q4
Branch Locations (10)
Per its most recent NCUA branch filing, 1st Midamerica runs 10 offices in 10 different cities across 2 states.
| Office | City |
|---|---|
| Bethalto 140 Office (Main Office) | Bethalto, IL |
| College Office | Alton, IL |
| Decatur Office | Decatur, IL |
| Edwardsville Office | Edwardsville, IL |
| Godfrey Office | Godfrey, IL |
| Granite City Office | Granite City, IL |
| Independence Office | Independence, MO |
| Jerseyville Office | Jerseyville, IL |
| Troy Office | Troy, IL |
| Wood River Office | Wood River, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Cross-state Call Report peers for 1st Midamerica
Two NCUA Call Report peer sets for 1st Midamerica, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.01B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- 1st Midamerica ranks #1,096 of 4,374 nationally on financial health and #40 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Abbott Laboratories is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Abbott Laboratories
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 1st Midamerica financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, 1st Midamerica carries a financial health score of 90/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,096 of 4,374; by total assets it ranks #467 of 4,374 nationally (same basis as /rankings/largest); and #14 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.92% net worth ratio and a 0.50% delinquency rate.
How does 1st Midamerica compare to other credit unions?
On PlainCU's health composite, 1st Midamerica lands at 90/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join 1st Midamerica?
Membership eligibility for 1st Midamerica depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact 1st Midamerica directly for current membership requirements and application steps.
Is my money safe at 1st Midamerica?
Federal credit unions like 1st Midamerica are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 1st Midamerica's net worth ratio of 12.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 1st Midamerica offer compared to banks?
Credit unions like 1st Midamerica are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 1st Midamerica directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.