Side-by-side · Q2 2026 data
Waterman 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 | Waterman Bank | Northern Illinois Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 80 (stronger) |
| Capital cushion | 82 | 97 (stronger) |
| Loan quality | 41 | 66 (stronger) |
| Earnings | 39 | 92 (stronger) |
| Funding & liquidity | 60 (stronger) | 51 |
| Problem-loan coverage | 83 | 87 (stronger) |
| Peer percentile | 19th | 65th |
| Total assets | $173.6M | $18.0M |
| Deposits / shares | $144.3M | $15.1M |
| Capital ratio | 13.20% | 14.65% (stronger) |
| Problem loans | 1.78% | 1.01% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.11% |
| Return on assets | 0.47% | 1.79% (stronger) |
| Loans ÷ deposits | 86.5% (stronger) | 109.0% |
| Uninsured deposits | 27.1% | 2.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northern Illinois Federal Credit Union has the higher TellerScore (80 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Waterman Bank leads on 2 and Northern Illinois Federal Credit Union on 5. 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.