BlastPoint's Credit Union Scorecard

1ST MIDAMERICA

Charter #63932 · IL

Mid-Market 1B-3B

1st MidAmerica at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

1st MidAmerica is one of 101 credit unions in the 2026 VentureTech card set. We also found 1st MidAmerica's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

1st MidAmerica

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1ST MIDAMERICA
PEER · AT VENTURETECH
PEER · AT VENTURETECH
1ST MIDAMERICA'S BIGGEST OPPORTUNITY

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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

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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