Side-by-side · Q2 2026 data
Northern Indiana Federal Credit Union vs Business and Industrial Federal Credit Union
Credit union
Northern Indiana Federal Credit Union
Merrillville, Indiana · Under $100 million in assets
Credit union
Business and Industrial Federal Credit Union
Columbus, Indiana · Under $100 million in assets
Metric by metric
| Measure | Northern Indiana Federal Credit Union | Business and Industrial Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 91 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 95 (stronger) | 92 |
| Earnings | 48 | 64 (stronger) |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 36th | 90th |
| Total assets | $41.7M | $44.9M |
| Deposits / shares | $37.1M | $36.7M |
| Capital ratio | 9.25% | 18.04% (stronger) |
| Problem loans | 0.15% (stronger) | 0.24% |
| Net charge-offs | 0.24% | 0.00% (stronger) |
| Return on assets | 0.69% | 1.11% (stronger) |
| Loans ÷ deposits | 78.4% | 48.6% (stronger) |
| Uninsured deposits | 2.7% | 1.1% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Business and Industrial Federal Credit Union has the higher TellerScore (91 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Northern Indiana Federal Credit Union leads on 1 and Business and Industrial Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.