1ST MIDAMERICA
Charter #63932 · Bethalto, IL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.92% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.42% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.25% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 81.23% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 1st percentile but its structural peers at the 38th — a 37-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | 1ST MIDAMERICA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.01B | 1th pct | 38th pct |
| Members | 64,144 | 13th pct | 38th pct |
| Net worth ratio | 12.92% | 81th pct | 82th pct |
| Return on average assets | 0.49% | 29th pct | 31th pct |
| Net interest margin | 3.90% | 84th pct | 57th pct |
| Cost of funds | 2.11% | 67th pct | 69th pct |
| Loan-to-share | 98.65% | 87th pct | 84th pct |
| Delinquency 60+ days | 0.42% | 29th pct | 18th pct |
| Net charge-off ratio | 0.25% | 18th pct | 8th pct |
| Loan growth YoY | 0.43% | 34th pct | 27th pct |
| Share growth YoY | 4.11% | 50th pct | 43th pct |
| Efficiency ratio | 81.23% | 81th pct | 80th pct |
structural peer set hash: 0edce806c9a731932514c7e63fa024b9… (reproducible)
Closest structural peers
This is the free public view
Claim 1ST MIDAMERICA
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.