1ST MIDAMERICA
State-Chartered • Bethalto, Illinois • Est. 1934
Quick Facts
- Charter Number
- #63932
- Type
- State-Chartered
- Established
- 1934
- Headquarters
- Bethalto, Illinois 62010
- Address
- 731 E Bethalto Dr
- Branches
- 10
- ATMs
- 10
- Members
- 63,868
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
63,868 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | 1ST MIDAMERICA |
|---|---|
| Total Assets | $1.0B |
| Members | 63,868 |
| Loans Outstanding | $852.6M |
| Shares & Deposits | $842.8M |
| Net Worth | $129.1M |
| Net Worth Ratio | 12.84% |
| Loan-to-Share Ratio | 101.2% |
| Delinquency Rate | 0.50% |
| Net Income | +$18,673,604 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
10 locations · 10 ATMs
Bethalto 140 Office
Main Office731 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
Who Can Join 1ST MIDAMERICA?
Membership Type: Community
Membership eligibility for 1ST MIDAMERICA may vary. Contact the credit union directly to confirm qualification requirements.
Contact 1ST MIDAMERICA directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Illinois RankingsFrequently Asked Questions
Yes. 1ST MIDAMERICA is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, 1ST MIDAMERICA has 63,868 members and a potential membership field of 4,489,145 people.
1ST MIDAMERICA's net worth ratio is 12.84% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.8%, 1ST MIDAMERICA meets this threshold.
1ST MIDAMERICA operates 10 branch locations and has access to 10 ATMs. The main office is located at 731 E Bethalto Dr, Bethalto, IL 62010.
1ST MIDAMERICA was established in 1934. It is a state-chartered credit union chartered under charter number 63932. The institution has been serving members for 92 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or 1ST MIDAMERICA. All financial data is for informational purposes only.