First Northern

Chicago, IL · 2 · Charter #66359 · www.fncu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$327.1M
22th percentile
Members
21,265
29th percentile
Total loans
$227.5M
30th percentile
Total shares
$286.8M
25th percentile

Profitability

Return on assets
0.84%
40th percentile
Net interest margin
4.09%
85th percentile
Efficiency ratio
74.81%
4th percentile
Non-interest income ratio
19.58%
54th percentile

Capital & Risk

Net worth ratio
10.55%
45th percentile
Delinquency rate
0.92%
32th percentile
Net charge-off rate
0.28%
64th percentile
Loan-to-share
79.32%
47th percentile

Growth

Member growth YoY
-2.76%
18th percentile
Asset growth YoY
-2.76%
6th percentile
Loan growth YoY
4.49%
53th percentile
Share growth YoY
-4.80%
2th percentile

Operations

Members / branch
5,316
63th percentile
Assets / member
$15,383
43th percentile
Field of membership penetration
0.32%
4th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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