Federal credit union · DEKALB, Illinois · NCUA charter #19708
Northern Illinois
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $18.5M
- Total assets
- 2,178
- Members
- 13.9%
- Net-worth ratio
Northern Illinois scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.5M; members 2,178; net-worth ratio 13.86%; health rank #2,846 of 4,374; healthier than 33rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,846 of 4,374 health · 2025Q4Northern Illinois · health 79/100 · $18.5M · 2025Q4
Call Report peers
Northern Illinois in the assets neighbourhood
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Northern Illinois vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Northern Illinois sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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
Where Northern Illinois diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 108.22% here, 59.80% peer average (+48.42 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.00 pp (13.86% vs 14.86%).
Northern Illinois in Illinois
- Illinois health ordinal: #126 of 192.
- Illinois assets place: #106 of 192.
- Membership ranks #102 of 192 among Illinois CUs with a reported count (2,178 members).
- One place up in Illinois, Quincy Postal Employees (#125) ties at 79/100; one place down, Kankakee Federation of Teachers (#127) ties at 79/100.
Quarter path for Northern Illinois
Northern Illinois: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.1% from $18.5M (2025Q4) to $18.3M (2026Q1).
- Net-worth ratio shifted +0.51 pp (13.35% → 13.86%).
This credit union's 13.86% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Northern Illinois gives up 21 points in total. Loan-to-Share Ratio costs the most, 7.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.5 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 7.4 pts
Northern Illinois health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.86% | -1.00 pp |
| Delinquency Rate | 1.33% | +0.19 pp |
| Return on Assets | 2.10% | +1.39 pp |
| Member Growth | 0.05% | - |
| Loan-to-Share Ratio | 108.22% | +48.42 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Northern Illinois quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.3M | - |
| 2025Q4 | $18.5M | 2,178 |
| 2024Q4 | $17.3M | 2,177 |
| 2023Q4 | $18.5M | 2,179 |
Credit Union Details
- Charter Number
- 19708
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- DEKALB
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Northern Illinois runs one office.
| Office | City |
|---|---|
| NORTHERN ILLINOIS FEDERAL CREDIT UNION (Main Office) | DEKALB, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Northern Illinois
Similar total assets
Using this data
- Northern Illinois ranks #2,846 of 4,374 nationally on financial health and #126 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dupage County Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dupage County Employees
Frequently Asked Questions
Is Northern Illinois financially healthy?
On its 2025Q4 NCUA 5300 filing, Northern Illinois scores 79/100 (Very Good), with a 13.86% net worth ratio and 1.33% of loans delinquent. It ranks #2,846 of 4,374 nationally on health and #126 of 192 in Illinois.
How does Northern Illinois compare to other credit unions?
Northern Illinois scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (108.22% vs 59.80%). Its widest shortfall is net worth ratio (13.86% vs 14.86%).
How can I join Northern Illinois?
Northern Illinois operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Northern Illinois directly for the exact boundaries and application steps.
Is my money safe at Northern Illinois?
Northern Illinois is a federal credit union; its shares are federally 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. Northern Illinois's net worth ratio of 13.86% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.