BlastPoint's Credit Union Scorecard

1ST MIDAMERICA

Charter #63932 · IL

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

1ST MIDAMERICA has 1 strength but faces 8 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

+ Net Interest Margin 0.54% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 14.6% in tier
- Efficiency Drag: Bottom 22.5% in tier
- Credit Quality Pressure: Bottom 57.6% in tier
- Credit Risk Growth: Bottom 67.9% in tier
- Indirect Auto Dependency: Bottom 90.8% in tier
- ROA 0.23% below tier average
- Efficiency ratio 6.60% above tier (higher cost structure)
- Total Assets: Bottom 1.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	64,144 +1.2% YoY+0.4% QoQ	-31.9K	96,048 -2.7% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	20%
Assets	$1.0B -1.1% YoY+0.3% QoQ	$-711.6M	$1.7B +0.4% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	Bottom 1.3% in tier
Loans	$855.8M +2.7% YoY+0.4% QoQ	$-358.0M	$1.2B +0.2% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	22%
Deposits	$867.5M +3.6% YoY+2.9% QoQ	$-598.0M	$1.5B +0.5% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	Bottom 3.9% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% +44.9% YoY-67.3% QoQ	-0.2%	0.7% +27.6% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	30%
NIM	3.9% +16.0% YoY+7.7% QoQ	+0.5%	3.4% +6.2% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	85%
Efficiency Ratio	81.2% -2.4% YoY+22.5% QoQ	+6.6%	74.6% -3.0% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	76%
Delinquency Rate	0.4% +0.8% YoY-15.5% QoQ	-0.3	0.8% +6.9% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	28%
Loan To Share	98.6% -0.8% YoY-2.5% QoQ	+15.5%	83.2% -0.4% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	Top 13.1% in tier
AMR	$26,866 +1.9% YoY+1.2% QoQ	$-3K	$29,652 +2.3% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	42%
CD Concentration	31.3% -1.8% YoY-5.0% QoQ	+2.4%	28.8%	14.0%	19.8%	62%
Indirect Auto %	40.0% -2.0% YoY+0.6% QoQ	+21.9%	18.1%	7.2%	7.7%	Bottom 11.0% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#107 of 198 • Bottom 90.8% in tier

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

Why This Signature

Asset Growth (YoY): -1.10%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 39.99%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.23%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Liquidity Strain

risk

#81 of 148 • Bottom 14.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.65%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 2.75%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Efficiency Drag

risk

#64 of 100 • Bottom 22.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.23%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.15% points

(Tier: 0.14% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 1.23%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank improving

Credit Quality Pressure

risk

#219 of 225 • Bottom 57.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.00% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#180 of 183 • Bottom 67.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.75%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

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 306 peers in tier

Top Strengths (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 98.65%

Peer Median: 85.31%

#40 of 306 Top 12.7% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.89%

Peer Median: 3.37%

#47 of 306 Top 15.0% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.24%

Peer Median: 0.51%

#61 of 306 Top 19.6% in 1B-3B tier

Net Worth Ratio

risk

Value: 12.92%

Peer Median: 10.85%

#65 of 306 Top 20.9% in 1B-3B tier

Top Weaknesses (8 metrics)

302

Total Assets

balance_sheet

Value: $1.01B

Peer Median: $1.51B

#302 of 306 Bottom 1.6% in 1B-3B tier

294

Total Deposits

balance_sheet

Value: $867.51M

Peer Median: $1.31B

#294 of 306 Bottom 4.2% in 1B-3B tier

276

Asset Growth Rate

growth

Value: -1.10%

Peer Median: 4.82%

#276 of 306 Bottom 10.1% in 1B-3B tier

274

Indirect Auto Concentration (%)

balance_sheet

Value: 39.99%

Peer Median: 13.86%

#274 of 306 Bottom 10.8% in 1B-3B tier

249

Fee Income Per Member

profitability

Value: $143.10

Peer Median: $191.54

#249 of 306 Bottom 19.0% in 1B-3B tier

245

Total Members

engagement

Value: 64,144

Peer Median: 85,918

#245 of 306 Bottom 20.3% in 1B-3B tier

237

Total Loans

balance_sheet

Value: $855.76M

Peer Median: $1.11B

#237 of 306 Bottom 22.9% in 1B-3B tier

235

Efficiency Ratio

profitability

Value: 81.23%

Peer Median: 75.16%

#235 of 306 Bottom 23.5% in 1B-3B tier