1ST MIDAMERICA Credit Union Profile

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1ST MIDAMERICA

Charter #63932 | NCUA Region 3 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (618) 258-3168

Fax: (618) 258-6003

Founding Date: N/A

Website: http://www.1stmidamerica.org

Personnel & Operations

President: Gibson, Rosemary

Manager: Meyer, Alan

FT Employees: 162

PT Employees: 17

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 10

Hours: Lobby Hours Monday-Thursday 9am-5pm Fr

Credit Union Profile Summary

1ST MIDAMERICA is a FISCU Credit Union. With a total of 63,772 members ^[1], this institution manages approximately $1,034,491,601 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.75% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.42% ^[1].

Financial Snapshot

Total Assets ^[1]

$1,034,491,601

Total economic resources.

Total Loans ^[1]

$846,569,213

Total value of outstanding loans.

Total Deposits ^[1]

$845,842,987

Total funds deposited by members.

Members ^[1]

63,772

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

11.75%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

1.28%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

100.09%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 5.65%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 3.42%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 0.62%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

731 E Bethalto Dr

Bethalto, IL, 62010

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 10 branches reported by 1ST MIDAMERICA (Charter #63932).

Main Office

Bethalto 140 Office Main Office

Type: Corporate Office

Type: Branch Office

1795 E Edwardsville Rd

Wood River, IL 62095

Phone: (618) 258-3168

Services: Member Services, ATM, Drive-Thru

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