# NORTHERN ILLINOIS
DEKALB, IL · NCUA charter 19708 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/northern-illinois-19708

Who the members are: federal charter, community charter, organized 1958, low-income designated. 2,187 members of 100,000 potential (2.2% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $18.3M |
| Members | 2,187 (0.5% YoY) |
| Full-time staff | 4 |
| Net worth | $2.5M |
| Net worth ratio | 13.9% (p43 of band) |
| ROA (annualized) | 1.48% (p84 of band) |
| Total delinquency | 0.29% (p36 of band) |
| Net charge-offs (annualized) | -0.06% (p14 of band) |
| Loans / shares | 107% (p98 of band) |
| Cash / assets | 6.0% |
| Borrowings / assets | 0.82% |
| Net interest margin | 5.70% (p94 of band) |
| Operating expense / assets | 4.87% (p76 of band) |
| Vehicles % of loans | 58% (p45 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.50% (p51 of band) |
| Vehicle NCO | 0.68% (p83 of band) |
| Repossessed % of vehicle book | 0.10% (p93 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 95% |
| Certificates % of member funds | 2% |
| Average share balance | $4,319 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $14,601 |
| Loans granted, annualized | $7.6M |

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, capital below 7% |  |
| 2016-06 | 1 |  | capital below 7% |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 5 | capital below 7%, delinquency rising |  |
| 2017-06 | 7 | losing money, charge-offs p90, repo signal | delinquency rising |
| 2017-09 | 5 |  | net worth falling, repo signal |
| 2017-12 | 5 |  |  |
| 2018-03 | 3 |  | losing money, charge-offs p90 |
| 2018-06 | 5 | delinquency rising, auto monoline |  |
| 2018-09 | 3 |  | delinquency rising, auto monoline |
| 2018-12 | 3 | assets shrinking, auto monoline | capital below 7% |
| 2019-03 | 5 | capital below 7% |  |
| 2019-06 | 3 |  | capital below 7% |
| 2019-09 | 2 |  | assets shrinking |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | delinquency rising |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 4 | members leaving |  |
| 2020-12 | 4 | margin squeeze | delinquency rising |
| 2021-03 | 7 | capital below 7%, net worth falling |  |
| 2021-06 | 5 |  | members leaving, net worth falling |
| 2021-09 | 4 | delinquency 2x band, delinquency rising | margin squeeze, capital below 7% |
| 2021-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2022-03 | 4 | net worth falling, delinquency rising |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 2 |  | net worth falling, delinquency rising |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 2 | assets shrinking | thin capital, delinquency rising |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 5 | delinquency 2x band, loans>95% of shares |  |
| 2024-12 | 4 |  | delinquency 2x band |
| 2025-03 | 3 |  | assets shrinking |
| 2025-06 | 2 | leaning on borrowings | auto monoline, delinquency rising |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 | repo signal | leaning on borrowings |
| 2026-03 | 1 |  | repo signal |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-08 [Appeals court remands Illinois card fee case - Payments Dive](https://news.google.com/rss/articles/CBMijwFBVV95cUxOMnZydEtTVWJ3S1V0dlVNcE93ei1GWDdqbndsVVhCeFoyaGxKVWFMMUtvcy1LbTJOeldCRDVUUzA2QkRwME5wUVRIOE9ZQk9rbUpSYi1fcHBpSXV5VFhSSEVkS1dYNTg4RU5VQThWc0Y1Ym9mSDRBMFRTMUNYQlNsYU9aTVVSVk5jOGY0d2Z5Zw?oc=5) · Payments Dive
- 2025-07-21 [First Northern Credit Union announces promotions - CUInsight](https://news.google.com/rss/articles/CBMikwFBVV95cUxOQTI3ZElPbzJjQklIRXA4YVdlTjd5SHloYWRrSkhvYm5HenZJbkJZMkJyOTNEcE5ONlRKTGRrYTUxWi1qR1lRbU9tUEtvUExvVVFOZTdUa2ljeWZfYVR4aXpUUHRxLS1rNDRlZncxUERvQUtwQnBzV2FmbUZTZlNzR19hVjlvZnVTMlduTW40RXBIV1k?oc=5) · CUInsight
- 2022-04-28 [CoVantage Credit Union Plans Expansion into Northern Illinois - Business Wire](https://news.google.com/rss/articles/CBMiugFBVV95cUxOZUJJcWFRQkN1VHFVWXRnZGUwRjN5NDlab25FSElIQ2VINGd3aDlSTE1hMlJvNGFVSHBlWlZpQzUxczNPU09kQVRmdmY0ZElrdUZuNTh6dEx3UmJpcXpMVFBLNGdRUmQwc3Q3V2l5V2xZOTlRbDkycmtNT002cXZpZGVobjBPT2d1YnBvd2QwWEJpUmhLVmg1dkxjekZNMGR5Tkt5RkFzamFhUzJaU1B5NURFdlhEcXFZZmc?oc=5) · Business Wire
- 2026-01-20 [Paul Wheeler Obituary - Chandler, AZ - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPUlEtQjlEcnlMZXRnNzB0SDIzaFVwSW1NUjlSNkt3eFVyc01KRzB0ZERjd3pmcXF5SmJ0cW1iTWE3NkwtcGZwUUppODh6aVBTcGhoTnZ0ZjJXVFREeUpxd2xIUmRpNUdwc0UyLW5hT3p1SXJEYXBXTDBtNEFXeDJfd2xR?oc=5) · Dignity Memorial
- 2026-01-15 [NIU Football Finalizes 2026 Non-Conference Schedule with Georgia State - NIU Athletics](https://news.google.com/rss/articles/CBMiswFBVV95cUxPd1pldmNkY3JiVHI0dkgxOHdiSEpDWmJFNmM3dmlOVEpob2ZYaDBnalR4a3lBTnV0VTRkSmszNDVxUEJwZGxSUTlRSFFydzdKaEFrb1dCQVNFOGdTQ3V0b3cwaW5oejZ6LW91RzUzaUsyQkkwOHQtS2lJbEIwYVFWdFZUa2lHby1QSUFSVElOalRTMzZ3VHpTV1BDZWVxN21JVWtoSkRIRmI0LVdMTWhwNG92SQ?oc=5) · NIU Athletics
- 2024-01-26 [Boise State 55-7 Northern Illinois (Dec 23, 2015) Final Score - ESPN](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOMjRBV1dNbFViQmpzQ3RaeFB3bjJrVWtTU1NwdGJYYmVmenlxVDdDZ0tJU1BPVHBKaDVTRWkwcVoyb1FTcmhia3BXbzBIbDZHdG56OHdCOC1mbkNqMTZLb1JHemhoUWFZVkJXbFdEZ1RhT2pMTE05VDhuSE1kamJHTGNDa0lJZlU4?oc=5) · ESPN
- 2026-03-19 [Landmark Credit Union Announces Agreement to Acquire North Shore Bank Branch in McHenry, IL - PR Newswire](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPZmI0WXJNRFRkN0ZhOHA3dWxDM0ViaTB6SUVSM01vdlhTRFJoZkFEbmVrVjB2Qk04UDl2S1R2WFBhbnNSUWhVUkFCODBZaWFoY0tqN01qTkROeU16ZmwtU1R6OHRrR1p3N182MUNyYmN5U2kwazZfdnIteC1DcHRnMG1SdUk5dVA3dkpnNzA5Q0Nlc25sWnVzbWxTN2FDc1NNbnF3eU10ZWFfbmdROXNUWlFMeE0xdWJXU2V6SmZfYlZQRlUxQmdvN09INUdEZ3RCbUhFdjBEeU8tX1ZQZkY4?oc=5) · PR Newswire
- 2024-04-03 [Suburban credit union merging with two smaller rivals - Crain's Chicago Business](https://news.google.com/rss/articles/CBMingFBVV95cUxPWXpuZ2FMa21lU2hUenBkWk8wNWlhQU5uUGF6RjVydVFoOWNjOXpPMjdwakVtbEtnTko2VmxFUTJxV3N5bkt5dGM0SkkzNDhjbV9rVmV6VGZFazN0Zl9kSXlhRWEwWnBBeEJ4dk5xQWJEYnMxa0dhU3k4aHgzeTU1dEg1RjMzbmlZQlZGbVF4VFdDdWdUTnJTbHNpWldGdw?oc=5) · Crain's Chicago Business

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19708 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/60.json (key "19708", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=19708
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide