1st Midamerica
1st Midamerica is a credit union based in Bethalto, Illinois, established in 1934, with $1.0 billion in total assets serving 64,144 members. By Trust Grade it ranks 83rd of 188 credit unions we track in Illinois. Its net worth ratio of 12.9% is stronger than 80% of similarly sized credit unions, versus a Illinois median of 13.7%. It was profitable over the most recent period, with a 0.48% return on assets. No consumer complaints against 1st Midamerica appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How 1st Midamerica compares to Illinois peers
How we graded 1st Midamerica
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.9% capital ratio)
- Profitable (ROA 0.48%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for 1st Midamerica over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at 1st Midamerica insured?
Yes. 1st Midamerica is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
1st Midamerica: frequently asked questions
Is 1st Midamerica a good credit union?
1st Midamerica earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (12.9% capital ratio); Profitable (ROA 0.48%).
Is 1st Midamerica NCUA-insured?
Yes. 1st Midamerica is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is 1st Midamerica?
1st Midamerica holds $1.0 billion in total assets, ranking 83rd of 188 credit unions we track in Illinois. It serves 64,144 members.
Does 1st Midamerica have CFPB complaints?
No CFPB complaints against 1st Midamerica appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
