Credit union · NCUA insured
1st MidAmerica Credit Union
Top CarrotA $1B credit union headquartered in Bethalto, IL, with 64,144 members and 10 branches in 2 states. Best rates: savings 2.02% APY.
1st MidAmerica Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 97% of U.S. banks and credit unions
#2 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 1st MidAmerica Credit Union
- Headquarters
- 731 E Bethalto Dr, Bethalto, IL 62010
- NCUA charter
- 63932
Branches
10 branches in 2 states
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Illinois
9 branches
St. Louis area · 8
- Bethalto 140 OfficeMain office731 E Bethalto Dr, Bethalto, IL 62010Directions
- College Office3553 College Ave, Alton, IL 62002Directions
- Edwardsville Office1702 Troy Rd, Edwardsville, IL 62025Directions
- Godfrey Office5301 Godfrey Rd, Godfrey, IL 62035Directions
- Granite City Office3830 Nameoki Rd, Granite City, IL 62040Directions
- Jerseyville Office300 W County Rd, Jerseyville, IL 62052Directions
- Troy Office100 McDonald Dr, Troy, IL 62294Directions
- Wood River Office1795 E Edwardsville Rd, Wood River, IL 62095Directions
Decatur area · 1
- Decatur Office202 E Ash Ave, Decatur, IL 62526Directions
Missouri
1 branch
- Independence Office19301 E Valley View Pkwy, Independence, MO 64055Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.33% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 2.01% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.22% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $99 | $88 | — |
- CapitalNet worth ratio13.33%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late2.01%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.22%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$99Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 1st MidAmerica Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.