First Northern
Chicago, IL · Charter 66359 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 4 branches
Q2 2026
$333.2MAssets
$233.2MLoans
$288.2MShares
$37.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 96% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 4 of 95).
- Widest gap: equity / assets trails 78% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 75 of 96).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.93%
Rank 9 of 96
Net Interest Margin
4.24%
Rank 26 of 96
Efficiency Ratio
67.77%
Rank 17 of 96
Equity / Assets
11.31%
Rank 75 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.93% | -0.02% | 0.42% | 1.03% | Beats 91% | 9 / 96 | |
| Return on Equity | 17.08% | -0.11% | 2.94% | 6.89% | Beats 96% | 4 / 95 | |
| Net Interest Margin | 4.24% | 3.01% | 3.57% | 4.27% | Beats 73% | 26 / 96 | |
| Efficiency Ratio | 67.77% | 73.45% | 82.91% | 96.61% | Beats 83% | 17 / 96 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.08% | 0.86% | 1.63% | Beats 59% | 39 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.31% | 11.79% | 15.23% | 18.93% | Beats 22% | 75 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.31% | 11.79% | 15.23% | 18.93% | Beats 22% | 75 / 96 | |
| Liquidity & Funding |
| Loans / Deposits | 80.93% | 32.14% | 50.03% | 67.81% | 89th pctl | 11 / 96 | |
| Loans / Assets | 69.99% | 23.12% | 42.50% | 56.24% | 90th pctl | 10 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |