C
First Northern Credit Union
ChicagoIL
Data as of
March 31, 2022
Risk Based
Capital Ratio
Leverage
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Return On
Assets
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Assets
Capital
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Net
Income
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Major Rating Factors: Fair current capitalization (4.0 on a scale of 0 to 10) based on a net capital to total assets of 6.0 and a net worth ratio of 7.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Other Rating Factors: A current level of 3.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.5). Good liquidity 5.4, driven by a liquidity ratio of 20.1 percent and a “hot money” ratio of 0.8 percent.
Asset Mix: Consumer loans (22%), home mtgs (21%), other (57%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Address
230 West Monroe Street
Chicago, IL 60606
Phone Number
(312) 332-6357
NCUA Charter Number
Weiss Ratings