Federal credit union · DEKALB, Illinois · NCUA charter #19708
Northern Illinois
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $18.5M
- Total assets
- 2,178
- Members
- 10.6%
- Net-worth ratio
Northern Illinois - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #19708 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Northern Illinois - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)70
- Earnings (ROA)100
- Member growth60
- Liquidity (loan-to-share)49
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.64% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.64% | 30% |
| Delinquency Rate | 1.33% | 25% |
| Return on Assets | 2.10% | 15% |
| Member Growth | 0.05% | 15% |
| Loan-to-Share Ratio | 108.22% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Northern Illinois
2,178 members and $18.5M in total assets sit behind Northern Illinois, a federal credit union in DEKALB, Illinois, which posts a health score of 79/100 (Very Good) on the five-factor composite, with $16.5M in outstanding loans as of Q4 2025 and a net worth ratio of 10.64% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #19708 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
1.33% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 108.22% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 2.10% on net income of $389K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.05%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Northern Illinois financially healthy?
Yes/no aside, the number is 79/100 (Very Good) - Northern Illinois's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.64% net worth ratio and 1.33% delinquency rate are the key drivers.
How does Northern Illinois compare to other credit unions?
79/100 is Northern Illinois's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Northern Illinois 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. Northern Illinois's net worth ratio of 10.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northern Illinois offer compared to banks?
Credit unions like Northern Illinois 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 Northern Illinois directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.