Side-by-side · Q2 2026 data
Holcomb Bank vs Northern Illinois Federal Credit Union
Credit union
Northern Illinois Federal Credit Union
Dekalb, Illinois · Under $100 million in assets
Metric by metric
| Measure | Holcomb Bank | Northern Illinois Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 38 | 97 (stronger) |
| Loan quality | 99 (stronger) | 66 |
| Earnings | 81 | 92 (stronger) |
| Funding & liquidity | 63 (stronger) | 51 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 50th | 65th |
| Total assets | $304.8M | $18.0M |
| Deposits / shares | $239.4M | $15.1M |
| Capital ratio | 8.84% | 14.65% (stronger) |
| Problem loans | 0.03% (stronger) | 1.01% |
| Net charge-offs | -0.02% (stronger) | 0.11% |
| Return on assets | 1.53% | 1.79% (stronger) |
| Loans ÷ deposits | 95.5% (stronger) | 109.0% |
| Uninsured deposits | 16.4% | 2.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | — |
Northern Illinois Federal Credit Union has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Holcomb Bank leads on 3 and Northern Illinois Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.