# 1ST MIDAMERICA
Bethalto, IL · NCUA charter 63932 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/1st-midamerica-63932

Who the members are: state charter, organized 1934, low-income designated. 64,144 members of 4,489,145 potential (1.4% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 208.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.01B |
| Members | 64,144 (1.2% YoY) |
| Full-time staff | 166 |
| Net worth | $130.3M |
| Net worth ratio | 12.9% (p81 of band) |
| ROA (annualized) | 0.48% (p29 of band) |
| Total delinquency | 0.42% (p30 of band) |
| Net charge-offs (annualized) | 0.24% (p19 of band) |
| Loans / shares | 99% (p86 of band) |
| Cash / assets | 4.8% |
| Borrowings / assets | 0.26% |
| Net interest margin | 3.89% (p86 of band) |
| Operating expense / assets | 3.90% (p83 of band) |
| Vehicles % of loans | 47% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 85% |
| Third-party paper % of net worth | 272% (p80 of band) |
| Vehicle delinquency | 0.55% (p48 of band) |
| Vehicle NCO | 0.38% (p11 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 91% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 31% |
| Average share balance | $7,293 |
| Participations bought / yr | $4.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $64.9M |
| Loans outstanding per 100 members | 208% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $6,399 |
| Loans granted, annualized | $299.0M |

## Participation posture (from the same filings)

Bought $4.7M and sold $0 in the latest annualized quarter; $64.9M outstanding purchased (49.8% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 3.6% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | loans>95% of shares, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | leaning on borrowings |  |
| 2018-12 | 3 |  | leaning on borrowings |
| 2019-03 | 5 | delinquency 2x band, delinquency rising |  |
| 2019-06 | 3 |  | delinquency 2x band, delinquency rising |
| 2019-09 | 5 | delinquency 2x band, delinquency rising |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 5 | losing money | delinquency rising |
| 2020-06 | 6 | net worth falling, margin squeeze, delinquency rising | loans>95% of shares, losing money |
| 2020-09 | 4 |  | net worth falling, delinquency rising |
| 2020-12 | 3 |  | auto monoline |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 2 |  | margin squeeze, net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 | net worth falling | delinquency 2x band |
| 2022-09 | 4 | loans>95% of shares, leaning on borrowings |  |
| 2022-12 | 3 |  | net worth falling |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | members leaving |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | members leaving |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | leaning on borrowings |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-15 [1st MidAmerica Credit Union Expanding into Springfield with New Full-Service Branch - Springfield Herald News](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOUmRpQTRGcy1wQVVlNUZpT0lUNE1GZm54Q0xqR0RIaDNsejhaTndoTnowdkh2TTZiWXc3RG9wcEhpOTE4S3VlNUg3dm5qN1E0RXRqbU9taHdBNGFUUjJ1YmhmWTRKcngwV1RVU1puSTJVY2lkMjFfTVRzMTUzZy0zVVFSQ0ZwR2k2bmprMXdTWDNCR3dkc1dFMmtDRUFDT0RlcEJFOUNZNHhmWWJ0cURaVDBoOHEwdVhRVGUzMW5GMU1yVDA?oc=5) · Springfield Herald News
- 2026-07-17 [1st MidAmerica Credit Union Included on Forbes List of the America’s Best-In-State Credit Unions 2026 Ranking - RiverBender.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQaDRHRWZ3aXEzUG5KeEQyZm1GMl9DQnoxcElDc3d6dHRaaHZ6Q0lFSC1iWjRmcVR1VVgyYlk3RDRDX0t5MWZBdFllQ0FlcExwNnJ0akV6VUZvaERkSmlfYnBiT0FJRVFtUEFEUVJxOXp1Q1VWb3JIQUxwMTBiRjV3d182bVpPcUxrMHRUYkF5VVF4Zy1yMllpeFBTazRRSEcwajgxSkNuSmFURmlaQWIzeFg4Sko4em9oRkhGcFJnWmNjdFlLMTA1QjY0Mi1tZ2FtbGt4bHV0SF93NkhxTngtVGdGQ3dPeFM0LVItbUpn?oc=5) · RiverBender.com
- 2026-06-25 [From District 7 leadership to a college scholarship - The Edwardsville Intelligencer](https://news.google.com/rss/articles/CBMirgFBVV95cUxQQzBSbWFDR25VZ3JCUnhMZzA4T0k0eGo0SUlMdm9wSGI3enI5a3FpR01rc2l1bmZBelhjN005RUp3MVNZWm13VF9jRHJDbGd6WGYta2xvMzhwVlloVjdFU0N3N2tBZGVnb0RBdTZQMzFHWndQenFUYWc5YnFQbXJyYXJSeFlwZFgwY1RKNFM2WmIzOTgycjFFSllSY3d4bS1YcFdZdU1ZLVhabGZ2cWc?oc=5) · The Edwardsville Intelligencer
- 2026-02-26 [1st MidAmerica Credit Union Offering $1,000 Scholarships For Local High Schoolers - RiverBender.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPVjNmNDNndGlFeVZiektSRWREeHNHRTFwZmtDUElWZHRIb1FPMzZwNEFobTRwWWZXX1NadVpvblZEZGlrMzNvTkV1RzdfMHRLd2RsajQybno5bGlUOXdhNHZjaDhOODk1bEgtWkVtSHVkSWNOUW5wMkdXQmpXRTQwc2NHcXExRFkyLXNoMXpENTFpVTlvN2xOcWY1TE1ZTlB6ejJNZDUxLUlDTEkxeVl2NjBLYWVyNGNEUGI3RFV3TEE4ZmEwbGlzTg?oc=5) · RiverBender.com
- 2023-02-13 [1st MidAmerica Credit Union promotes Amber Scott, Olivia Turner - Illinois Business Journal](https://news.google.com/rss/articles/CBMiogFBVV95cUxPRzBDWFBkOVdvSHlaSlF5YllrRDg0Q2V2WDVCbHYtUFlyZk5oRDBmUVdIeXJEMk5uWGxwX0thNWlJQVNTc1ZvR19fZWI5MWlTVmdzQlREOTZpVm04amVtOWNpd0x5Mng5UXZOOFFvQUpDT0hGQ1BPM05FbHpfaVJxLUlaMTUxNkZpZmQwU1dqNElVZ3FTczROdmNWa0R1Mk1DTGc?oc=5) · Illinois Business Journal
- 2026-02-28 [1st MidAmerica Credit Union Announces Teacher Grants - RiverBender.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxPNFRkSGNqRURyMFRpdThoRTBsY0k5a3o1Mlh4VVJ6Z0J0MFRjWUZzM183czFKRXVDcXVGVklWd0JVeFhRSE4wZzhqekFKWk15OXN5QjFHaWxXMzhUOHJVdnQxR0pBZWoyWFRqUlRFZmpMdzExZmVBNUtqcXhJR2FLeFlkeExMN0FCd3ZwcTVqY1I2NzBxdlZHY1JtMm9MU2s3UFZfVURn?oc=5) · RiverBender.com
- 2026-06-24 [$5,000 Awarded to 1st MidAmerica Credit Union Scholarship Winners - RiverBender.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxNRWwwOVNFLUE1MTdmMGtHMHpLTXVsXy1OOG1YeTlsSVhzaVVHM0lOai1RbTNKOU5WM2dHQzZxMmI1Q0RLV3lsTENOdy1TRFlPWEFKODB0SzBsZDlWc3h2MXFsVkVSTXlPbkpFQlY0bXVfVVdFSF9hamZnSzNEczR5TzFoNDBDcnJhSm1qeV9qdWNWMUZIQTUyTmQ0MGU1ckl0LVhRXzNfSFlQcXNOaTNZNGtkSkQ?oc=5) · RiverBender.com
- 2024-09-16 [1st MidAmerica Credit Union Delivers $30,000 in Grant Funds - RiverBender.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxOT3RBSm9Va1lkRnVCTDFJQS1Va19qMExTS1FkRlpaVGpYNjM4YklpcGM2Vk9lWWJKN1dyTm5vODNTQnl0TEM5aGdINzJoUlZDSUFHVXVpOVp5VzFSVk96Zk5zRW5pX1RsOFM4SUx2eXZhTzFlSEhsTHJLZXFod1NMTWdENWV0Ml9Hbnd5RE9DR2M1OUl5VGptVTBCMloyYUFmZmxSaTRYTUZVZDcwc0dV?oc=5) · RiverBender.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63932 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/60.json (key "63932", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=63932
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide