1ST MIDAMERICA

Charter #63932 | IL

1B-3B (304 CUs) Mid-Market (380 CUs)
9 1B-3B in IL

1ST MIDAMERICA has 8 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 8.1% in tier
  • + Organic Growth Engine: Top 22.4% in tier
  • + Wallet Share Momentum: Top 26.0% in tier
  • + Relationship Depth Leader: Top 30.6% 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
  • - Liquidity Overhang: Bottom 32.7% 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
 Bottom 18.4% in tier
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
 Bottom 20.4% in tier
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
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
 66th in tier
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
 26th in tier
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
 43rd in tier
CD Concentration 33.5%
+1.7% YoY+3.3% QoQ
 +4.6% 29.0%
+0.8% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 73rd in tier
Indirect Auto % 40.5%
-0.9% YoY-0.4% QoQ
 +21.7% 18.8%
-2.8% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 Top 11.1% in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#44 of 184 • Top 8.1% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.59%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 0.80%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 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: 18.80%, 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

Wallet Share Momentum

growth
#189 of 264 • Top 26.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.85%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Relationship Depth Leader

growth
#222 of 264 • Top 30.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.85%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.4K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Concerns (3)

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: 18.80%, 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: 86.35%, 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

Liquidity Overhang

risk
#106 of 113 • Bottom 32.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.62%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 102.26%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | 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)

Comparing against 304 peers in tier

Top Strengths (6 metrics)

13
Return on Assets (ROA)
profitability
Value: 1.59%
Peer Avg: 0.70%
#13 of 304 Top 3.9% in 1B-3B tier
25
Fee Income Per Member
profitability
Value: $316.61
Peer Avg: $210.52
#25 of 304 Top 7.9% in 1B-3B tier
30
Loan-to-Share Ratio
balance_sheet
Value: 102.26%
Peer Avg: 85.19%
#30 of 304 Top 9.5% in 1B-3B tier
46
Efficiency Ratio
profitability
Value: 64.13%
Peer Avg: 73.97%
#46 of 304 Top 14.8% in 1B-3B tier
75
Net Charge-Off Rate
risk
Value: 0.32%
Peer Avg: 0.60%
#75 of 304 Top 24.3% in 1B-3B tier
75
Net Worth Ratio
risk
Value: 12.62%
Peer Avg: 11.44%
#75 of 304 Top 24.3% in 1B-3B tier

Top Weaknesses (5 metrics)

301
Total Assets
balance_sheet
Value: $1.01B
Peer Avg: $1.72B
#301 of 304 Bottom 1.3% in 1B-3B tier
300
Total Deposits
balance_sheet
Value: $833.25M
Peer Avg: $1.45B
#300 of 304 Bottom 1.6% in 1B-3B tier
275
Indirect Auto Concentration (%)
balance_sheet
Value: 40.49%
Peer Avg: 18.32%
#275 of 304 Bottom 9.9% in 1B-3B tier
248
Total Members
engagement
Value: 64,054
Peer Avg: 98,678
#248 of 304 Bottom 18.8% in 1B-3B tier
242
Total Loans
balance_sheet
Value: $852.11M
Peer Avg: $1.23B
#242 of 304 Bottom 20.7% in 1B-3B tier