Side-by-side · Q2 2026 data
77th Street Depot Federal Credit Union vs Northern Illinois Federal Credit Union
Credit union
77th Street Depot Federal Credit Union
Chicago, Illinois · Under $100 million in assets
Credit union
Northern Illinois Federal Credit Union
Dekalb, Illinois · Under $100 million in assets
Metric by metric
| Measure | 77th Street Depot Federal Credit Union | Northern Illinois Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 80 (stronger) |
| Capital cushion | 100 (stronger) | 97 |
| Loan quality | 3 | 66 (stronger) |
| Earnings | 0 | 92 (stronger) |
| Funding & liquidity | 100 (stronger) | 51 |
| Problem-loan coverage | 93 (stronger) | 87 |
| Peer percentile | 15th | 65th |
| Total assets | $17.7M | $18.0M |
| Deposits / shares | $13.0M | $15.1M |
| Capital ratio | 25.85% (stronger) | 14.65% |
| Problem loans | 2.92% | 1.01% (stronger) |
| Net charge-offs | 3.22% | 0.11% (stronger) |
| Return on assets | -1.86% | 1.79% (stronger) |
| Loans ÷ deposits | 40.4% (stronger) | 109.0% |
| Uninsured deposits | 0.0% (stronger) | 2.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Illinois Federal Credit Union has the higher TellerScore (80 vs 55). On the 7 directional measures above (where higher or lower is clearly better), 77th Street Depot Federal Credit Union leads on 3 and Northern Illinois Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.