Bethalto, Illinois · Peer group 6
1st Midamerica Credit Union
1st Midamerica Credit Union holds $1.01B in assets across 64,144 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1934. Charter number 63932, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $1.01B |
|---|---|
| Total loans | $855.8M |
| Total shares (deposits) | $867.5M |
| Net worth | $130.3M |
| Members | 64,144 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.1% | |
|---|---|---|
| Loans | 2.7% | around the 38th percentile of its peer group |
| Deposits | 3.6% | around the 41st percentile of its peer group |
| Members | 1.2% | around the 46th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 98.6% | higher than 90% of its peer group |
|---|---|---|
| Net worth ratio | 12.9% | around the 81st percentile of its peer group |
| Return on assets | 0.48% | around the 32nd percentile of its peer group |
| Delinquency ratio | 0.42% | around the 31st percentile of its peer group |
| Cash / assets | 4.8% | around the 18th percentile of its peer group |
| Borrowings / assets | 0.3% | around the 41st percentile of its peer group |
What this page does not show
Everything above is 1st Midamerica Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Illinois — the comparison set a peer ratio is measured against.
- Corporate America Family Credit Union
Elgin, IL
$969.1M · 64,970 members
- NuMark Credit Union
Joliet, IL
$947.6M · 61,622 members
- Selfreliance Credit Union
Chicago, IL
$1.13B · 48,785 members
- Vibrant Credit Union
Moline, IL
$1.17B · 66,307 members
- Abbott Laboratories Credit Union
Gurnee, IL
$1.19B · 32,884 members
- University of Illinois Community Credit Union
Champaign, IL
$767.1M · 64,655 members
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