BlastPoint's Credit Union Scorecard

1ST MIDAMERICA

Charter #63932 · IL

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 8 in IL

View Mid-Market leaderboard →

1ST MIDAMERICA has 3 strengths 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

+ Emerging Performer: Top 17.9% in tier
+ ROA 0.40% above tier average
+ Net Interest Margin 0.50% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.5% in tier
- Liquidity Strain: Bottom 19.2% in tier
- Credit Risk Growth: Bottom 76.6% in tier
- Indirect Auto Dependency: Bottom 96.5% in tier
- Delinquency rate 1.15% above tier average
- Total Assets: Bottom 1.7% in tier
- Total Delinquency Rate (60+ days): Bottom 4.0% in tier
- Total Deposits: Bottom 4.7% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 8 that size in Illinois.
Shares and deposits +2.6% year over year ($868M in shares and deposits).
Membership: 64,586 members, +1.3% vs a year ago.
Delinquency rate 2.01%.
Return on assets 1.22%.
Efficiency ratio 70.32% vs a 73.02% peer average.
Loan-to-share ratio 98.87% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	64,586 +1.3% YoY+0.7% QoQ	-32.3K	96,861 -1.9% YoY	23,254 +11.8% YoY	34,678 +6.6% YoY	21%
Assets	$1.0B -2.0% YoY+0.6% QoQ	$-710.2M	$1.7B +0.4% YoY	$427.8M +15.2% YoY	$593.1M +10.2% YoY	Bottom 1.3% in tier
Loans	$858.4M +1.4% YoY+0.3% QoQ	$-375.9M	$1.2B +0.7% YoY	$298.4M +15.0% YoY	$418.6M +10.1% YoY	21%
Deposits	$868.2M +2.6% YoY+0.1% QoQ	$-595.1M	$1.5B +0.5% YoY	$358.8M +15.8% YoY	$504.8M +10.3% YoY	Bottom 4.3% in tier

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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	1.2% -3.6% YoY+151.7% QoQ	+0.4%	0.8% +27.6% YoY	1.1% +953.5% YoY	1.2% +121.4% YoY	83%
NIM	3.9% +15.3% YoY+1.0% QoQ	+0.5%	3.4% +6.6% YoY	3.7% +1.5% YoY	3.8% +2.3% YoY	81%
Efficiency Ratio	70.3% +3.1% YoY-13.4% QoQ	-2.7%	73.0% -2.7% YoY	84.5% -59.6% YoY	83.0% -5.3% YoY	36%
Delinquency Rate	2.0% +305.2% YoY+375.8% QoQ	+1.2	0.9% +7.3% YoY	1.3% -18.5% YoY	1.3% +2.6% YoY	Bottom 4.0% in tier
Loan To Share	98.9% -1.2% YoY+0.2% QoQ	+14.2%	84.7% +0.1% YoY	60.1% -3.0% YoY	66.4% -1.4% YoY	84%
AMR	$26,733 +0.7% YoY-0.5% QoQ	$-3K	$29,575 +1.5% YoY	$15,331 +1.7% YoY	$20,028 -0.9% YoY	40%
CD Concentration	31.7% -2.5% YoY+1.3% QoQ	+2.6%	29.1%	14.0%	20.0%	64%
Indirect Auto %	41.0% +0.8% YoY+2.5% QoQ	+22.9%	18.1%	6.8%	7.7%	Bottom 8.8% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth

#57 of 82 • Top 17.9% 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: 1.22%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Member Growth (YoY): 1.28%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#2 of 215 • Bottom 0.5% in tier

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

Why This Signature

Delinquency Change (YoY): 1.52% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Credit Risk Growth

risk

#79 of 170 • Bottom 76.6% in tier

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

Why This Signature

Loan Growth (YoY): 1.40%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 1.52% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#111 of 193 • Bottom 96.5% in tier

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

Why This Signature

Asset Growth (YoY): -1.97%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 40.97%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 1.28%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Liquidity Strain

risk

#102 of 168 • Bottom 19.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.87%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 1.40%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 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 300 peers in tier

Top Strengths (5 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 98.87%

Peer Median: 87.07%

#49 of 300 Top 16.0% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.22%

Peer Median: 0.77%

#51 of 300 Top 16.7% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.93%

Peer Median: 3.46%

#56 of 300 Top 18.3% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.26%

Peer Median: 0.52%

#59 of 300 Top 19.3% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.33%

Peer Median: 10.91%

#59 of 300 Top 19.3% in 1B-3B tier

Top Weaknesses (8 metrics)

296

Total Assets

balance_sheet

Value: $1.01B

Peer Median: $1.51B

#296 of 300 Bottom 1.7% in 1B-3B tier

289

Total Delinquency Rate (60+ days)

risk

Value: 2.01%

Peer Median: 0.70%

#289 of 300 Bottom 4.0% in 1B-3B tier

287

Total Deposits

balance_sheet

Value: $868.20M

Peer Median: $1.30B

#287 of 300 Bottom 4.7% in 1B-3B tier

286

Asset Growth Rate

growth

Value: -1.97%

Peer Median: 5.21%

#286 of 300 Bottom 5.0% in 1B-3B tier

275

Indirect Auto Concentration (%)

balance_sheet

Value: 40.97%

Peer Median: 14.26%

#275 of 300 Bottom 8.7% in 1B-3B tier

238

Total Members

engagement

Value: 64,586

Peer Median: 86,516

#238 of 300 Bottom 21.0% in 1B-3B tier

236

Total Loans

balance_sheet

Value: $858.38M

Peer Median: $1.14B

#236 of 300 Bottom 21.7% in 1B-3B tier

226

Loan Growth Rate

growth

Value: 1.40%

Peer Median: 5.71%

#226 of 300 Bottom 25.0% in 1B-3B tier