State credit union · Wood River, Illinois · NCUA charter #68684
Midwest Members
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $214.1M
- Total assets
- 17,590
- Members
- 13.2%
- Net-worth ratio
Midwest Members scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $214.1M; members 17,590; net-worth ratio 13.15%; health rank #1,946 of 4,374; healthier than 54th of scored peers.
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NCUA 5300 Call Report Masthead
#1,946 of 4,374 health · 2025Q4Midwest Members · health 85/100 · $214.1M · 2025Q4
Call Report peers
Midwest Members in the assets neighbourhood
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Midwest Members vs every NCUA-scored credit union
Midwest Members sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Midwest Members vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 87.19% vs peer 72.20% (+14.99 pp).
Illinois standing for Midwest Members
- In Illinois, health place is #88 of 192 on the same NCUA-ratio sort used nationally.
- By total assets, Midwest Members is #40 of 192 in Illinois.
- Illinois membership ordinal: #37 of 192.
- One place up in Illinois, Bloomington Municipal (#87) ties at 85/100; one place down, GALE (#89) ties at 85/100.
Midwest Members Call Report trajectory
Midwest Members: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.8% from $214.1M (2025Q4) to $226.5M (2026Q1).
- Net-worth ratio shifted -0.35 pp (13.50% → 13.15%).
This credit union's 13.15% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Midwest Members gives up 15 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate and Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Midwest Members vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.15% | +1.04 pp |
| Delinquency Rate | 0.50% | -0.39 pp |
| Return on Assets | 1.44% | +0.82 pp |
| Member Growth | -14.18% | - |
| Loan-to-Share Ratio | 87.19% | +14.99 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Midwest Members
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $226.5M | - |
| 2025Q4 | $214.1M | 17,590 |
| 2024Q4 | $201.6M | 20,497 |
| 2023Q4 | $195.2M | 19,978 |
Credit Union Details
- Charter Number
- 68684
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- Wood River
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Midwest Members, spread across 3 cities.
| Office | City |
|---|---|
| Wood River Office (Main Office) | Wood River, IL |
| Granite City Office | Granite City, IL |
| Maryville Office | Maryville, 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 Midwest Members
Using this data
- Midwest Members ranks #1,946 of 4,374 nationally on financial health and #88 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Catholic & Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Catholic & Community
Frequently Asked Questions
Is Midwest Members financially healthy?
On its 2025Q4 NCUA 5300 filing, Midwest Members scores 85/100 (Excellent), with a 13.15% net worth ratio and 0.50% of loans delinquent. It ranks #1,946 of 4,374 nationally on health and #88 of 192 in Illinois.
How does Midwest Members compare to other credit unions?
Midwest Members scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (87.19% vs 72.20%).
How can I join Midwest Members?
Membership eligibility for Midwest Members depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Midwest Members directly for current membership requirements and application steps.
Is my money safe at Midwest Members?
Midwest Members is a state-chartered credit union; its shares are federally 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. Midwest Members's net worth ratio of 13.15% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.