BlastPoint's Credit Union Scorecard

1ST MIDAMERICA

Charter #63932 · IL

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

1ST MIDAMERICA has 4 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

+ Emerging Performer: Top 56.6% in tier
+ Organic Growth Engine: Top 64.2% in tier
+ ROA 0.79% above tier average
+ Net Interest Margin 0.34% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 42.4% in tier
- Indirect Auto Dependency: Bottom 49.2% in tier
- Total Assets: Bottom 0.3% in tier
- Total Deposits: Bottom 1.3% in tier
- Indirect Auto Concentration (%): Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	63,868 +1.1% YoY-0.3% QoQ	-33.6K	97,431 -2.4% YoY	21,665 +5.6% YoY	33,374 +5.7% YoY	19%
Assets	$1.0B +0.5% YoY-0.3% QoQ	$-718.2M	$1.7B +0.9% YoY	$394.9M +10.3% YoY	$561.6M +9.7% YoY	Bottom 0.0% in tier
Loans	$852.6M +2.4% YoY+0.1% QoQ	$-381.8M	$1.2B +0.5% YoY	$275.6M +9.5% YoY	$397.0M +8.8% YoY	20%
Deposits	$842.8M +3.6% YoY+1.1% QoQ	$-616.6M	$1.5B +0.9% YoY	$330.4M +9.6% YoY	$477.3M +9.7% YoY	Bottom 1.0% 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	1.5% +89.7% YoY-6.9% QoQ	+0.8%	0.7% +20.9% YoY	0.6% -12.3% YoY	0.7% +15.9% YoY	Top 5.3% in tier
NIM	3.6% +21.2% YoY+2.9% QoQ	+0.3%	3.3% +9.2% YoY	3.6% +3.6% YoY	3.8% +5.1% YoY	72%
Efficiency Ratio	66.3% -12.3% YoY+3.4% QoQ	-7.8%	74.1% -9.5% YoY	89.8% +8.5% YoY	79.7% -3.3% YoY	21%
Delinquency Rate	0.5% -14.0% YoY+11.3% QoQ	-0.4	0.9% +6.2% YoY	1.1% -24.1% YoY	1.3% -2.1% YoY	28%
Loan To Share	101.2% -1.2% YoY-1.1% QoQ	+16.4%	84.8% -0.8% YoY	62.0% -1.0% YoY	67.4% -1.7% YoY	Top 10.9% in tier
AMR	$26,545 +1.9% YoY+0.9% QoQ	$-3K	$29,428 +2.4% YoY	$15,477 +4.9% YoY	$19,687 +2.0% YoY	42%
CD Concentration	32.9% +0.1% YoY-1.9% QoQ	+3.9%	29.0%	14.1%	19.8%	69%
Indirect Auto %	39.7% -1.3% YoY-1.8% QoQ	+21.4%	18.3%	7.1%	7.8%	Top 10.4% in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth

#44 of 77 • Top 56.6% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.48%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.06%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

77 of 378 Mid-Market CUs have this signature | 282 nationally

→ No prior data (77 CUs now) | New qualifier

Organic Growth Engine

growth

#159 of 247 • Top 64.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.06%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 1.48%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 39.74%

(Tier: 18.31%, National: 7.78%)

but worse than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Concerns (2)

Liquidity Strain

risk

#71 of 166 • Bottom 42.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 101.17%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 2.43%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#97 of 196 • Bottom 49.2% in tier

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

Why This Signature

Asset Growth (YoY): 0.48%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 39.74%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 1.06%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 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 302 peers in tier

Top Strengths (5 metrics)

Return on Assets (ROA)

profitability

Value: 1.48%

Peer Median: -

#16 of 302 Top 5.0% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 101.17%

Peer Median: -

#33 of 302 Top 10.6% in 1B-3B tier

Fee Income Per Member

profitability

Value: $298.09

Peer Median: -

#34 of 302 Top 10.9% in 1B-3B tier

Net Worth Ratio

risk

Value: 12.84%

Peer Median: -

#59 of 302 Top 19.2% in 1B-3B tier

Efficiency Ratio

profitability

Value: 66.29%

Peer Median: -

#64 of 302 Top 20.9% in 1B-3B tier

Top Weaknesses (6 metrics)

302

Total Assets

balance_sheet

Value: $1.01B

Peer Median: -

#302 of 302 Bottom 0.3% in 1B-3B tier

299

Total Deposits

balance_sheet

Value: $842.76M

Peer Median: -

#299 of 302 Bottom 1.3% in 1B-3B tier

273

Indirect Auto Concentration (%)

balance_sheet

Value: 39.74%

Peer Median: -

#273 of 302 Bottom 9.9% in 1B-3B tier

255

Asset Growth Rate

growth

Value: 0.48%

Peer Median: -

#255 of 302 Bottom 15.9% in 1B-3B tier

245

Total Members

engagement

Value: 63,868

Peer Median: -

#245 of 302 Bottom 19.2% in 1B-3B tier

241

Total Loans

balance_sheet

Value: $852.63M

Peer Median: -

#241 of 302 Bottom 20.5% in 1B-3B tier