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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,946 of 4,374 health · 2025Q4Midwest Members · health 85/100 · $214.1M · 2025Q4
- NCUSIF 85/100
- CAMELS 13.2%
- HEALTH 0.50%
- NW 1.44%
- DELQ $214.1M
- ROA 17,590
- ASSETS #1,946/4,374
- MEM OKUNITY
- RANK 68684
Call Report peers
Midwest Members in the assets neighbourhood
Midwest Members's $214.1M assets sit next to OKUNITY ($214.0M) 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.
Midwest Members 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
85 Top 46% higher than 54% 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
Midwest Members - Share Insurance Coverage
Charter #68684's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Midwest Members vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 87.19% vs peer 72.20% (+14.99 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Midwest Members Call Report trajectory
Midwest Members: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.8% from $214.1M (2025Q4) to $226.5M (2026Q1).
- Net-worth ratio shifted -0.35 pp (13.50% → 13.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for Midwest Members, 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 ($214.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- 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 Midwest Members financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Midwest Members carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,946 of 4,374; by total assets it ranks #1,232 of 4,374 nationally (same basis as /rankings/largest); and #40 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.15% net worth ratio and a 0.50% delinquency rate.
How does Midwest Members compare to other credit unions?
On PlainCU's health composite, Midwest Members lands at 85/100, compared to a peer group average for $100M–$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 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?
Federal credit unions like Midwest Members 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. Midwest Members's net worth ratio of 13.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Midwest Members offer compared to banks?
Credit unions like Midwest Members 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 Midwest Members 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.