BlastPoint's Credit Union Scorecard

1ST MIDAMERICA

Charter #63932 · IL

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 9 in IL

View Mid-Market leaderboard →

1ST MIDAMERICA has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 16.0% in tier
+ Organic Growth Engine: Top 22.4% in tier
+ ROA 0.88% above tier average
+ Net Interest Margin 0.24% above tier average
+ Fee Income Per Member: Top 7.9% in tier
+ Loan-to-Share Ratio: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 10.9% in tier
- Liquidity Strain: Bottom 11.8% in tier
- Total Assets: Bottom 1.3% in tier
- Total Deposits: Bottom 1.6% in tier
- Indirect Auto Concentration (%): Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	64,054 +0.8% YoY+0.4% QoQ	-34.6K	98,678 -1.9% YoY	21,352 +8.3% YoY	33,089 +6.1% YoY	18%
Assets	$1.0B +2.1% YoY-2.5% QoQ	$-711.3M	$1.7B +0.5% YoY	$379.6M +9.6% YoY	$547.7M +7.8% YoY	Bottom 1.0% in tier
Loans	$852.1M +3.3% YoY+0.7% QoQ	$-380.9M	$1.2B +0.5% YoY	$267.7M +12.9% YoY	$388.7M +8.6% YoY	20%
Deposits	$833.2M +4.1% YoY-1.5% QoQ	$-621.1M	$1.5B +1.3% YoY	$314.3M +10.4% YoY	$464.6M +9.3% YoY	Bottom 1.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% +128.5% YoY+25.6% QoQ	+0.9%	0.7% +13.4% YoY	0.8% -108.9% YoY	0.7% +273.4% YoY	Top 4.3% in tier
NIM	3.5% +19.3% YoY+3.0% QoQ	+0.2%	3.3% +9.3% YoY	3.7% +5.1% YoY	3.7% +5.0% YoY	66%
Efficiency Ratio	64.1% -16.4% YoY-6.0% QoQ	-9.8%	74.0% -10.9% YoY	90.4% +10.2% YoY	79.1% -3.3% YoY	Bottom 14.8% in tier
Delinquency Rate	0.5% -18.1% YoY-9.4% QoQ	-0.4	0.8% +6.1% YoY	1.5% -12.1% YoY	1.2% -0.9% YoY	26%
Loan To Share	102.3% -0.7% YoY+2.2% QoQ	+17.1%	85.2% -0.8% YoY	62.3% -1.7% YoY	68.0% -1.7% YoY	Top 9.9% in tier
AMR	$26,312 +2.9% YoY-0.9% QoQ	$-3K	$29,172 +2.8% YoY	$15,032 +2.8% YoY	$19,418 +1.3% YoY	43%
CD Concentration	33.5% +1.7% YoY+3.3% QoQ	+4.6%	29.0% +0.7% YoY	13.7% +4.0% YoY	19.6% +6.2% YoY	73%
Indirect Auto %	40.5% -0.9% YoY-0.4% QoQ	+21.7%	18.8% -3.0% YoY	7.2% +3.4% YoY	7.9% -2.9% YoY	Top 11.1% in tier

Signature Analysis

Strengths (2)

Profitability Leader

growth

#16 of 95 • Top 16.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.59%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.89% points

(Tier: 0.07% points, National: 0.05% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Organic Growth Engine

growth

#163 of 246 • Top 22.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.80%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 1.59%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 40.49%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#68 of 202 • Bottom 10.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.09%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 40.49%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.80%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank improving

Liquidity Strain

risk

#63 of 183 • Bottom 11.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 102.26%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 3.29%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 304 peers in tier

Top Strengths (6 metrics)

Return on Assets (ROA)

profitability

Value: 1.59%

Peer Avg: -

#13 of 304 Top 3.9% in 1B-3B tier

Fee Income Per Member

profitability

Value: $316.61

Peer Avg: -

#25 of 304 Top 7.9% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 102.26%

Peer Avg: -

#30 of 304 Top 9.5% in 1B-3B tier

Efficiency Ratio

profitability

Value: 64.13%

Peer Avg: -

#46 of 304 Top 14.8% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.32%

Peer Avg: -

#75 of 304 Top 24.3% in 1B-3B tier

Net Worth Ratio

risk

Value: 12.62%

Peer Avg: -

#75 of 304 Top 24.3% in 1B-3B tier

Top Weaknesses (5 metrics)

301

Total Assets

balance_sheet

Value: $1.01B

Peer Avg: -

#301 of 304 Bottom 1.3% in 1B-3B tier

300

Total Deposits

balance_sheet

Value: $833.25M

Peer Avg: -

#300 of 304 Bottom 1.6% in 1B-3B tier

275

Indirect Auto Concentration (%)

balance_sheet

Value: 40.49%

Peer Avg: -

#275 of 304 Bottom 9.9% in 1B-3B tier

248

Total Members

engagement

Value: 64,054

Peer Avg: -

#248 of 304 Bottom 18.8% in 1B-3B tier

242

Total Loans

balance_sheet

Value: $852.11M

Peer Avg: -

#242 of 304 Bottom 20.7% in 1B-3B tier