FIRST NORTHERN
Charter #66359 · Chicago, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- On Members, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 59th — a 22-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 | FIRST NORTHERN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $335.01M | 79th pct | 59th pct |
| Members | 21,345 | 81th pct | 59th pct |
| Net worth ratio | 10.47% | 34th pct | 38th pct |
| Return on average assets | 0.71% | 51th pct | 52th pct |
| Net interest margin | 4.11% | 77th pct | 69th pct |
| Cost of funds | 0.85% | 31th pct | 26th pct |
| Loan-to-share | 77.90% | 62th pct | 57th pct |
| Delinquency 60+ days | 0.63% | 52th pct | 51th pct |
| Net charge-off ratio | 0.25% | 37th pct | 28th pct |
| Loan growth YoY | 2.63% | 72th pct | 74th pct |
| Share growth YoY | 3.16% | 45th pct | 38th pct |
| Efficiency ratio | 81.70% | 61th pct | 62th pct |
structural peer set hash: 8b23e3a1f5d7d0992ddf374118236cf4… (reproducible)
Closest structural peers
This is the free public view
Claim FIRST NORTHERN
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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.