NORTHERN ILLINOIS
Charter #19708 · DEKALB, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.47% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.67% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.30% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.06% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 54th — a 19-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | NORTHERN ILLINOIS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.34M | 32th pct | 38th pct |
| Members | 2,187 | 54th pct | 49th pct |
| Net worth ratio | 13.86% | 52th pct | 41th pct |
| Return on average assets | 1.47% | 85th pct | 87th pct |
| Net interest margin | 5.67% | 98th pct | 97th pct |
| Cost of funds | 0.30% | 21th pct | 15th pct |
| Loan-to-share | 106.82% | 99th pct | 97th pct |
| Delinquency 60+ days | 0.29% | 35th pct | 33th pct |
| Net charge-off ratio | -0.06% | 13th pct | 11th pct |
| Loan growth YoY | 0.32% | 73th pct | 54th pct |
| Share growth YoY | 8.44% | 92th pct | 97th pct |
| Efficiency ratio | 73.26% | 34th pct | 28th pct |
structural peer set hash: 6fef4a55df45f41e78733c2d63e730b6… (reproducible)
Closest structural peers
This is the free public view
Claim NORTHERN ILLINOIS
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.