1st Midamerica Credit Union Bethalto, Illinois
1st Midamerica Credit Union is a state-chartered credit union headquartered in Bethalto, IL, established in 1934 (NCUA charter 63932), and it is regulated and insured by the NCUA. At Q2 2026 it reported 64,586 members and total assets of $1.01B (down 2.0% from Q2 2025), the 14th largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 13.33% at Q2 2026, in the well capitalized band.
Also written as 1st Midamerica CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 63932
- Headquarters
- Bethalto, IL
- Established
- 1934
- Total assets, Q2 2026
- $1.01B
- Assets vs Q2 2025
- -2.0%
- Members, Q2 2026
- 64,586
- Net worth ratio, Q2 2026
- 13.33%
- Latest call report
- Q2 2026, NCUA 5300 · 1st Midamerica Credit Union call report
- Asset rank in state
- 14th of 185 in Illinois
- Routing number
- 281076730
- Branches
- 10
It has 814 more members than on June 30, 2025 (+1.3%). Its net worth ratio was up 1.58 percentage points from 11.75% on June 30, 2025. Used vehicle loans are its largest loan category, $313.2M of $858.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.01% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.33% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Illinois
Credit unions merged into 1st Midamerica Credit Union
Antioch M B Federal Credit Union (2019) · Operating Engineers Local #148 Credit Union (2018) · Madco Credit Union (2017) · School District No. 9 Credit Union (2015) · Macon County School Employees Federal Credit Union (2014) · Laclede Community Credit Union (2014)
Frequently asked about 1st Midamerica Credit Union
How big is 1st Midamerica Credit Union?
At Q2 2026 it reported total assets of $1.01B and 64,586 members.
Where is 1st Midamerica Credit Union headquartered?
It is headquartered in Bethalto, IL, United States.
When was 1st Midamerica Credit Union founded?
It was established in 1934, per NCUA records.
Is 1st Midamerica Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63932): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates 1st Midamerica Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is 1st Midamerica Credit Union well capitalized?
Its net worth ratio was 13.33% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is 1st Midamerica Credit Union's delinquency ratio?
Its delinquency ratio was 2.01% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is 1st Midamerica Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 98.87% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Bethalto, IL 62010
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1934
- NCUA Charter #
- 63932
- RSSD ID
- 864293
- Members
- 64,586
- Potential members
- 4,489,145
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.33% | 10.89% | 80th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.95% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 14.62% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.97% | 3.45% | 82nd top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 61.97% | 70.59% | 78th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.80% | 1.68% | 40th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 2.01% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.77% | 5.12% | 88th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 98.87% | 88.03% | 83rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.01B total assets against $1.03B; $868.2M total shares and deposits against $845.8M; $858.4M total loans against $846.6M.
$135.2M net worth against $121.7M.
13.33% net worth ratio against 11.75%.
98.87% loan-to-share ratio against 100.09%.
2.01% delinquency ratio against 0.50%.
1.95% return on assets against 2.18%; 14.62% return on equity against 18.57%.
3.97% net interest margin against 3.49%.
64,586 members against 63,772.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.33% | 1.95% | 2.01% | 98.87% |
| March 31, 2026 | 12.92% | 0.48% | 0.42% | 98.65% |
| December 31, 2025 | 12.84% | 1.08% | 0.50% | 101.17% |
| September 30, 2025 | 12.62% | 2.25% | 0.45% | 102.26% |
| June 30, 2025 | 11.75% | 2.18% | 0.50% | 100.09% |
| March 31, 2025 | 11.37% | 0.33% | 0.42% | 99.42% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.