1st Midamerica
Bethalto, IL · Charter 63932 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
$1.0BAssets
$858.4MLoans
$868.2MShares
$135.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 83% of credit unions $1B-$10B in assets (rank 72 of 435).
- Widest gap: nonperforming loans / loans trails 97% of credit unions $1B-$10B in assets (rank 421 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.22%
Rank 81 of 435
Net Interest Margin
3.92%
Rank 72 of 435
Efficiency Ratio
70.32%
Rank 197 of 435
Equity / Assets
13.33%
Rank 76 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.55% | 0.81% | 1.14% | Beats 81% | 81 / 435 | |
| Return on Equity | 9.12% | 5.12% | 7.41% | 9.70% | Beats 69% | 134 / 435 | |
| Net Interest Margin | 3.92% | 3.01% | 3.39% | 3.75% | Beats 83% | 72 / 435 | |
| Efficiency Ratio | 70.32% | 65.25% | 71.39% | 77.86% | Beats 55% | 197 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.01% | 0.45% | 0.69% | 1.05% | Beats 3% | 421 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.34% | 9.81% | 10.84% | 12.63% | Beats 83% | 76 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.33% | 9.81% | 10.84% | 12.63% | Beats 83% | 76 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 98.87% | 78.33% | 88.38% | 95.61% | 82nd pctl | 80 / 435 | |
| Loans / Assets | 84.64% | 67.69% | 74.58% | 80.80% | 89th pctl | 48 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |