Northern Illinois

DEKALB, IL · 1 · Charter #19708 · www.mynifcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$18.5M
60th percentile
Members
2,178
71th percentile
Total loans
$16.5M
82th percentile
Total shares
$15.0M
59th percentile

Profitability

Return on assets
2.00%
91th percentile
Net interest margin
5.57%
92th percentile
Efficiency ratio
63.03%
58th percentile
Non-interest income ratio
14.41%
67th percentile

Capital & Risk

Net worth ratio
13.35%
39th percentile
Delinquency rate
1.33%
34th percentile
Net charge-off rate
0.73%
24th percentile
Loan-to-share
110.01%
96th percentile

Growth

Member growth YoY
0.05%
68th percentile
Asset growth YoY
7.16%
85th percentile
Loan growth YoY
11.83%
91th percentile
Share growth YoY
0.51%
50th percentile

Operations

Members / branch
2,178
82th percentile
Assets / member
$8,513
44th percentile
Field of membership penetration
2.18%
11th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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