TellerScore

Headquartered in Des Plaines, Illinois, Northwest Municipal Federal Credit Union is a federal credit union with $41.4M in total assets and $35.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1966.

Based on its Q2 2026 filing, Northwest Municipal Federal Credit Union scores 86/100, which we describe as very strong. That is higher than 80% of 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 37th. Its strongest component is funding & liquidity (100/100; 50% loans-to-deposits, 7% uninsured), and its lowest is earnings (56/100; 0.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion87/100
Net worth ratio: 13.68%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.09%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity100/100
Loans ÷ shares: 49.6% · 6.8% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.30%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (90 → 86), mostly because the earnings component weakened by 22 points.

TellerScore
868992Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202487
Q3 202491
Q4 202490
Q1 202591
Q2 202590
Q3 202592
Q4 202589
Q1 202687
Q2 202686
Net worth ratio
7.00%10.46%13.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202412.25%
Q3 202413.06%
Q4 202413.14%
Q1 202513.40%
Q2 202513.46%
Q3 202513.92%
Q4 202513.80%
Q1 202613.82%
Q2 202613.68%
Delinquent loans (60+ days)
0.04%0.12%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.05%
Q3 20240.12%
Q4 20240.11%
Q1 20250.06%
Q2 20250.11%
Q3 20250.05%
Q4 20250.20%
Q1 20260.04%
Q2 20260.09%
Return on assets
0.82%1.24%1.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.48%
Q3 20241.67%
Q4 20241.56%
Q1 20251.57%
Q2 20251.45%
Q3 20251.47%
Q4 20251.29%
Q1 20260.82%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$41.4M13.68%0.09%0.90%49.6%
Q1 202687$40.2M13.82%0.04%0.82%50.7%
Q4 202589$39.7M13.80%0.20%1.29%51.3%
Q3 202592$38.8M13.92%0.05%1.47%51.4%
Q2 202590$39.1M13.46%0.11%1.45%50.1%
Q1 202591$38.2M13.40%0.06%1.57%47.7%
Q4 202490$37.9M13.14%0.11%1.56%45.2%
Q3 202491$37.2M13.06%0.12%1.67%45.3%
Q2 202487$38.2M12.25%0.05%1.48%44.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.68%
44th
Problem loans0.09%
80th
Net charge-offs0.04%
63rd
Return on assets0.90%
63rd
Loans to deposits49.6%
65th
Uninsured deposits6.8%
13th
Loan-loss reserves0.00%
37th
Texas ratio0.3%
79th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Streator Community Credit UnionCredit union Streator, IL80 out of 100, Strong$42.3M11.0%0.43%vs
Planites Credit UnionCredit union Chicago, IL69 out of 100, Moderate$39.8M11.3%0.85%vs
Blackhawk Area Credit UnionCredit union Savanna, IL79 out of 100, Strong$39.1M13.4%0.13%vs
Fox Valley Credit UnionCredit union Aurora, IL80 out of 100, Strong$45.5M15.8%0.40%vs
Bloomington Municipal Credit UnionCredit union Bloomington, IL87 out of 100, Very strong$45.7M13.5%0.10%vs
Sherwin Williams Emp. Credit UnionCredit union South Holland, IL71 out of 100, Strong$37.0M13.6%0.94%vs

Deposit insurance

Is my money safe at Northwest Municipal Federal Credit Union?

Yes. Northwest Municipal Federal Credit Union is a federally insured credit union (NCUA charter #17752). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.8% of shares and deposits ($2.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.68%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Northwest Municipal Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Northwest Municipal Federal Credit Union
Type
Federal credit union
NCUA charter #
17752
RSSD ID
219183
Primary regulator
NCUA
Established
1966
Headquarters
1420 Miner St, Room 405, Des Plaines, IL 60016
Employees
6

Quick answers

Northwest Municipal Federal Credit Union: common questions

Is Northwest Municipal Federal Credit Union NCUA insured?

Yes. Northwest Municipal Federal Credit Union is a federally insured credit union (NCUA charter #17752). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Northwest Municipal Federal Credit Union's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Northwest Municipal Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Des Plaines

InstitutionScoreAssetsCapitalProblem loansCompare
Pilgrim Baptist Credit UnionCredit union Chicago, IL100 out of 100, Very strong$263K25.8%0.00%vs
M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL100 out of 100, Very strong$418K18.5%—vs
Western Springs Federal Credit UnionCredit union Western Springs, IL95 out of 100, Very strong$3.9M18.2%0.46%vs
St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL93 out of 100, Very strong$383K15.0%0.00%vs
First Eagle BankBank Chicago, IL91 out of 100, Very strong$649.6M21.3%0.10%vs
Abbott Laboratories Credit UnionCredit union Gurnee, IL89 out of 100, Very strong$1.1B14.5%0.11%vs