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Credit union call report ยท Dekalb, IL

Northern Illinois Federal Credit Union Call Report

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Northern Illinois Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 242 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Northern Illinois Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number19708
Federal Reserve RSSD ID309486

The official copy: search charter number 19708 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Northern Illinois Federal Credit Union call report, Q2 2026

Statement of Financial Condition (32 items)
Northern Illinois Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $176K
1c. Total Cash on Hand 730A $176K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $119K
2c. Cash on Deposit in Other Financial Institutions 730B2 $147K
2. Cash on Deposit (total) 730B $265K
3. Time Deposits in Banks and Credit Unions AS0007 $450K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $891K
12b. Perpetual Contributed Capital 769B $60K
13. TOTAL OTHER INVESTMENTS AS0017 $60K
15a. Number of Total Loans and Leases 025A 1,135
15b. Total Loans and Leases 025B $16.5M
17. ACL on Loans and Leases AS0048 $110K
19. Land and Building 007 $344K
20. Other Fixed Assets 008 $41K
21. NCUA Share Insurance Capitalization Deposit 794 $150K
22d. Accrued Interest on Loans 009A $36K
22e. Accrued Interest on Investments 009B $1K
22f. All Other Assets 009C $102K
22g. Total Other Assets AS0036 $139K
23. TOTAL ASSETS 010 $18.0M
Accounts Payable and Other Liabilities 825 -$11K
Accrued Dividends and Interest Payable 820A $2K
Borrowings (total) 860C $255K
Member Shares of All Types 013 $14.4M
Nonmember Deposits 880 $749K
Total Shares and Deposits 018 $15.1M
Undivided Earnings 940 $2.0M
Other Reserves 658 $501K
Net Income (equity) 602 $161K
Total Net Worth 997 $2.6M
Net Worth Ratio 998 14.65%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $18.0M
Statement of Income and Expense (24 items)
Northern Illinois Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $540K
3. Income from Investments 120 $7K
5. TOTAL INTEREST INCOME 115 $547K
6. Dividends on Shares 380 $14K
8. Interest on Borrowed Money 340 $8K
9. TOTAL INTEREST EXPENSE 350 $22K
10. NET INTEREST INCOME IS0010 $525K
12a. Credit Loss Expense - Loans and Leases IS0011 $26K
12e. Total Credit Loss Expense IS0017 $26K
13. Fee Income 131 $48K
14. Other Operating Income IS0020 $40K
18. Gain (Loss) on Disposition of Fixed Assets 430 -$131
23. TOTAL NON-INTEREST INCOME 117 $89K
24. Employee Compensation and Benefits 210 $188K
25. Travel and Conference 230 $652
26. Office Occupancy 250 $35K
27. Office Operations 260 $69K
28. Educational and Promotional 270 $12K
29. Loan Servicing 280 $25K
30. Professional and Outside Services 290 $90K
32. Operating Fees 320 $850
33. Miscellaneous Operating Expense 360 $6K
34. TOTAL NON-INTEREST EXPENSE 671 $426K
35. NET INCOME 661A $161K
Statement pages - all other filed accounts (20 items)

delinquency (21%), credit cards (21%)

Northern Illinois Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $179K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $45K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $34K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $10K
Loans Granted Year-to-Date 031A $186
Amount of Loans Granted Year-to-Date 031B $3.5M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $166K
Number of current members (not number of accounts) 083 2,210
Number of potential members 084 100,000
Non-Member Deposits 457 $3
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 990.00%
Interest Rate of New Vehicle Loans 523 475.00%
Interest Rate of Used Vehicle Loans 524 475.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $34K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $25K
Amount of Regular Shares 657 $11.4M
Amount of Share Drafts 902 $2.6M
Share Certificates - < 1 Year 908A $339K
Total Amount of Share Certificates 908C $339K
Number of Used Vehicle Loans 968 448
NCUA data file FS220A (17 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Northern Illinois Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $14.4M
Total Shares and Deposits - < 1 Year 018A $15.1M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 15
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $6.9M
Amount of New Vehicle Loans 385 $2.5M
Amount of All Other Unsecured Loans/Lines of Credit 397 $1.2M
Share Certificates 451 $25
Number of Accounts for Share Drafts 452 980
Number of Accounts for Regular Shares 454 2,627
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 3,635
Number of credit union employees who are Full-Time (26 hours or more) 564A 5
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $77K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 2,800.00%
Total credit lines 881 $3.0M
Draws against lines of credit, less than 1 year 883A $255K
Draws against lines of credit, total amount 883C $255K
NCUA data file FS220B (13 items)

maturity and repricing buckets (40%), credit cards (17%)

Northern Illinois Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $307K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $307K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $14.8M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
Amount of Regular Shares - < 1 Year 657A $11.4M
Total Borrowings - < 1 Year 860A $255K
Non-Member Deposits - < 1 Year 880A $749K
Amount of Share Drafts - < 1 Year 902A $2.6M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $83K
Number of New Vehicle Loans 958 101
Total Shares 966 $4K
Number of All Other Unsecured Loans/Lines of Credit 994 338
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 5
NCUA data file FS220C (3 items)

charge-offs and recoveries (27%), participation loans (18%)

Northern Illinois Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $4
Number of credit union branches (include the main office if member services are conducted at that location) 566 1
Outstanding balance of brokered certificates of deposit and share certificates 788 $450K
NCUA data file FS220D (26 items)

member services and products offered (69%), CUSO relationships (27%)

Northern Illinois Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Offer Custodial Accounts PP0032 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (2 items)

loans and leases (32%), participation loans (18%)

Northern Illinois Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $3.0M
Line of Credit Borrowings Outstanding from Corporate Credit Unions 885A $255K
NCUA data file FS220H (6 items)

student loans (43%), delinquency (27%)

Northern Illinois Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Number of Payday Alternative Loans (PAL loans) Granted Year-to-Date (FCU only) 031C 34
Amount of Payday Alternative Loans (PAL loans) Granted Year-to-Date (FCU only) 031D $60K
Amount of Payday Alternative Loans (PAL loans) 397A $63K
Interest Rate of Payday Alternative Loans (PAL loans) 522A 2,800.00%
Total Unfunded Commitments for all loan types 816A $936K
Number of Payday Alternative Loans (PAL loans) 994A 57
NCUA data file FS220I (11 items)

vehicle lending (59%), delinquency (44%)

Northern Illinois Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $69K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $45K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $34K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $34K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $10K
Number of Reportable Delinquent Used Vehicle Loans 035E2 9
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $153K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $33K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $2K
Total Other Credit Lines 884D $7K
Total Draws Againts LOCs 885A4 $255K
NCUA data file FS220L (8 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Northern Illinois Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $1K
Total Amount of Loans & Leases on Loan Schedule 025B1 $16.5M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $4.4M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 590.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 590.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 475.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $679K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $742K
NCUA data file FS220M (7 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Northern Illinois Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $494K
Total Other Unfunded Commitments (Non-Commercial) 816B5 $308K
Total Unfunded Commitments for Non-Commercial Loans 816T $936K
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $134K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 18
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 127
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 46
NCUA data file FS220N (3 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Northern Illinois Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $15.4M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $16K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $18.0M
NCUA data file FS220P (12 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Northern Illinois Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $312
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $23K
All Other Unsecured Loans/Lines of Credit DL0022 $9K
All Other Unsecured Loans/Lines of Credit DL0023 $2K
All Other Unsecured Loans/Lines of Credit DL0024 $11K
All Other Unsecured Loans/Lines of Credit DL0027 $13K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $6
Used Vehicle Loans DL0037 $75K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $6K
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $50K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $77K
Amount of Consumer Loans in Non-Accrual Status DL0145 $89K
NCUA data file FS220Q (16 items)

investment portfolio detail (69%)

Northern Illinois Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Total Borrowings LQ0860 $255K
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $150K
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $300K
Investment Maturity Distribution - Time Deposits - Total NV0116 $450K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >3-5 Years NV0143 $60K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $60K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $150K
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $300K
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $60K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $510K
RBC Total Equity RB0001 $2.6M
RBC Allowance for Credit Losses RB0002 $110K
RBC Total Additions RB0005 $110K
RBC Total Deductions RB0009 $150K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $2.6M
RBC Risk-Based Capital Numerator RB0012 $2.6M
NCUA data file FS220R (40 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Northern Illinois Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $60K
RBC Schedule Total Consumer Loans RB0060 $11.4M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $110K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $110K
RBC Schedule Total Loans RB0079 $16.4M
RBC Total for Risk Weighting Total Loans RB0081 -$110K
RBC Total Loans 0% Weight RB0082 -$110K
RBC Schedule Total Other Assets RB0088 $674K
RBC Total for Risk Weighting Other Assets RB0090 $150K
RBC Other Assets 0% Weight RB0091 $150K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $18.0M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $40K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $40K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $18.0M
RBC Allowance for Credit Losses (Loans) RB0177 $110K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 2.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 120,639.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 14.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 592,866.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 298,090.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 2.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 28,381.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $742K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $298K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 99.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 3,619,339.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 525,413.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Adjustable Rate RL0021 1.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Adjustable Rate RL0022 11,420.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 27.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 745,643.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $4.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $525K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $145
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $5.1M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $824K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $1.6M
Total Shares SH0013 $14.4M
Total Shares and Deposits SH0018 $15.1M
Total Non-Member Deposits SH0880 $749K
NCUA data file FS220S (2 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Northern Illinois Federal Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Person-to-Person payments PP0045 $1

Northern Illinois Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Northern Illinois Federal Credit Union call report?

The Northern Illinois Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Northern Illinois Federal Credit Union file?

Northern Illinois Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Northern Illinois Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Northern Illinois Federal Credit Union is 19708.

How often does Northern Illinois Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Northern Illinois Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.