State credit union · Chicago, Illinois · NCUA charter #66359
First Northern
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $327.1M
- Total assets
- 21,265
- Members
- 10.5%
- Net-worth ratio
First Northern scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $327.1M; members 21,265; net-worth ratio 10.47%; health rank #2,000 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,000 of 4,374 health · 2025Q4First Northern · health 85/100 · $327.1M · 2025Q4
- DELQ 85/100
- ROA 10.5%
- ASSETS 0.92%
- MEM 1.06%
- RANK $327.1M
- PHOTO 21,265
- BOOK #2,000/4,374
- CHARTER Great Plains
- NCUSIF 66359
Call Report peers
First Northern in the assets neighbourhood
First Northern's $327.1M assets sit next to Great Plains ($326.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Northern vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
First Northern - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #66359 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
First Northern vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 79.32% here, 72.20% peer average (+7.12 pp).
- Net Worth Ratio trails the peer set - 10.47% here, 12.11% peer average (-1.64 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where First Northern sits in Illinois
- In Illinois, health place is #90 of 192 on the same NCUA-ratio sort used nationally.
- By total assets, First Northern is #33 of 192 in Illinois.
- Membership ranks #31 of 192 among Illinois CUs with a reported count (21,265 members).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How First Northern's 5300 filing moved
First Northern: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $327.1M (2025Q4) to $335.0M (2026Q1).
- Net-worth ratio shifted -0.08 pp (10.55% → 10.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.47% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.8 pts
- Return on Assets 15.0 pts
- Member Growth 4.0 pts
- Loan-to-Share Ratio 15.2 pts
First Northern vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.47% | -1.64 pp |
| Delinquency Rate | 0.92% | +0.03 pp |
| Return on Assets | 1.06% | +0.44 pp |
| Member Growth | -2.76% | - |
| Loan-to-Share Ratio | 79.32% | +7.12 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - First Northern
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $335.0M | - |
| 2025Q4 | $327.1M | 21,265 |
| 2024Q4 | $336.4M | 21,869 |
| 2023Q4 | $350.6M | 22,544 |
Credit Union Details
- Charter Number
- 66359
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for First Northern, spread across 3 cities.
| Office | City |
|---|---|
| 01 - Monroe (Main Office) | Chicago, IL |
| 03 - Streeterville | Chicago, IL |
| 04 - Evanston | Evanston, IL |
| 02 - Show Place | Rockford, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
First Northern nationwide neighbourhoods
Two NCUA Call Report peer sets for First Northern, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($327.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- First Northern ranks #2,000 of 4,374 nationally on financial health and #90 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community Trust is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community Trust
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is First Northern financially healthy?
First Northern scores 85/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,000 of 4,374; by total assets it ranks #990 of 4,374 nationally (same basis as /rankings/largest); and #33 of 192 within Illinois. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.47% net worth ratio and a 0.92% delinquency rate.
How does First Northern compare to other credit unions?
Five weighted metrics from NCUA filings produce First Northern's 85/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join First Northern?
Membership eligibility for First Northern depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First Northern directly for current membership requirements and application steps.
Is my money safe at First Northern?
Federal credit unions like First Northern are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. First Northern's net worth ratio of 10.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Northern offer compared to banks?
Credit unions like First Northern are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact First Northern directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.