Side-by-side · Q2 2026 data
First Northern Credit Union vs Decatur Earthmover Credit Union
Metric by metric
| Measure | First Northern Credit Union | Decatur Earthmover Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 70 |
| Capital cushion | 63 | 66 (stronger) |
| Loan quality | 76 | 80 (stronger) |
| Earnings | 97 (stronger) | 29 |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 74th | 51st |
| Total assets | $333.2M | $310.3M |
| Deposits / shares | $288.2M | $272.0M |
| Capital ratio | 11.31% | 11.64% (stronger) |
| Problem loans | 0.71% | 0.59% (stronger) |
| Net charge-offs | 0.18% (stronger) | 0.46% |
| Return on assets | 1.93% (stronger) | 0.23% |
| Loans ÷ deposits | 80.9% | 57.5% (stronger) |
| Uninsured deposits | 4.0% (stronger) | 4.3% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.9% | 17.4% |
First Northern Credit Union has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Northern Credit Union leads on 4 and Decatur Earthmover Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.