Side-by-side · Q2 2026 data
Northern Illinois Federal Credit Union vs Kone Employees Credit Union
Credit union
Northern Illinois Federal Credit Union
Dekalb, Illinois · Under $100 million in assets
Metric by metric
| Measure | Northern Illinois Federal Credit Union | Kone Employees Credit Union |
|---|---|---|
| TellerScore | 80 | 94 (stronger) |
| Capital cushion | 97 | 100 (stronger) |
| Loan quality | 66 | 82 (stronger) |
| Earnings | 92 | 97 (stronger) |
| Funding & liquidity | 51 | 96 (stronger) |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 65th | 95th |
| Total assets | $18.0M | $20.7M |
| Deposits / shares | $15.1M | $17.1M |
| Capital ratio | 14.65% | 17.47% (stronger) |
| Problem loans | 1.01% | 0.55% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.39% |
| Return on assets | 1.79% | 1.93% (stronger) |
| Loans ÷ deposits | 109.0% | 63.8% (stronger) |
| Uninsured deposits | 2.0% (stronger) | 3.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kone Employees Credit Union has the higher TellerScore (94 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Northern Illinois Federal Credit Union leads on 2 and Kone Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.