Charter 63932 · Bethalto, IL
1st Midamerica Credit Union
1st Midamerica Credit Union is a state-chartered credit union in Bethalto, Illinois, with $1.01 billion in assets and 64,586 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.33%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.01 billion
- -2.0% in a year
- Members
- 64,586
- +1.3% in a year
- Net worth ratio
- 13.33%
- Peer median 10.79%
- Loans 60+ days late
- 2.01%
- Peer median 0.67%
- Loans outstanding
- $858 million
- +1.4% in a year
- Shares and deposits
- $868 million
- +2.6% in a year
- Branches
- 10
- 185 employees
- Opened
- 1934
- Illinois charter
How 1st Midamerica Credit Union compares
NCUA groups credit unions by size; 1st Midamerica Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 13.33% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 2.01%, is higher than the group median of 0.67%. Loans grew 1.4% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 14 of 188 credit unions headquartered in Illinois. See all Illinois credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.01 billion | 64,586 | $858 million | 13.33% | 2.01% |
| Q1 2026 | $1.01 billion | 64,144 | $856 million | 12.92% | 0.42% |
| Q4 2025 | $1.01 billion | 63,868 | $853 million | 12.84% | 0.50% |
| Q3 2025 | $1.01 billion | 64,054 | $852 million | 12.62% | 0.45% |
| Q2 2025 | $1.03 billion | 63,772 | $847 million | 11.75% | 0.50% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 4.5 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 10 sites for 1st Midamerica Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Bethalto 140 Office (main office)
731 E Bethalto Dr, Bethalto, IL 62010 - Godfrey Office
5301 Godfrey Rd, Godfrey, IL 62035 - College Office
3553 College Ave, Alton, IL 62002 - Jerseyville Office
300 W County Rd, Jerseyville, IL 62052 - Independence Office
19301 E Valley View Pkwy, Independence, MO 64055 - Wood River Office
1795 E Edwardsville Rd, Wood River, IL 62095 - Edwardsville Office
1702 Troy Rd, Edwardsville, IL 62025 - Decatur Office
202 E Ash Ave, Decatur, IL 62526 - Granite City Office
3830 Nameoki Rd, Granite City, IL 62040 - Troy Office
100 Mcdonald Dr, Troy, IL 62294
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology