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1st Midamerica

Bethalto, IL · Charter 63932

NCUA · 10 branches

Q2 2026

$1.0BAssets
$858.4MLoans
$868.2MShares
$135.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.22%, down 4 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 2.01% of loans (+152 bps YoY).
  • Capital: net worth / assets of 13.33%, up 157 bps from a year ago.
  • Funding: loans stand at 98.87% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.22%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.92%+54 bps YoY

Efficiency Ratio (YTD, annualized)

70.32%+209 bps YoY

Net Worth / Assets

13.33%+157 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.61%1.48%0.48%1.22%-4 bps
Return on Equity10.67%12.74%11.54%3.75%9.12%-156 bps
Net Interest Margin3.38%3.55%3.62%3.89%3.92%+54 bps
Efficiency Ratio68.23%64.13%66.29%81.23%70.32%+209 bps
Growth
Asset Growth (YoY)5.65%2.09%0.48%-1.10%-1.97%-762 bps
Loan Growth (YoY)3.42%3.29%2.43%2.75%1.40%-203 bps
Share Growth (YoY)5.37%4.07%3.63%3.56%2.64%-273 bps
Asset Quality
Delinquent Loans / Loans0.50%0.45%0.50%0.42%2.01%+152 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.76%12.63%12.84%12.92%13.33%+157 bps
Net Worth / Assets11.76%12.63%12.84%12.92%13.33%+157 bps
Liquidity & Funding
Loans / Shares100.09%102.26%101.17%98.65%98.87%-122 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps