FIRST NORTHERN Credit Union Profile

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FIRST NORTHERN

Charter #66359 | NCUA Region 3 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (312) 332-6357

Fax: (312) 332-0166

Founding Date: N/A

Website: http://www.fncu.org

Personnel & Operations

President: O'Toole, Richard

Manager: Malone, Alex

FT Employees: 69

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 4

Hours: Mon, Tue, Thu, Fri - 8:00 to 4:30 Wed - 9:

Credit Union Profile Summary

FIRST NORTHERN is a FISCU Credit Union. With a total of 21,589 members [1], this institution manages approximately $329,063,663 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 10.12% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 0.59% [1].

Financial Snapshot

Total Assets [1]
$329,063,663

Total economic resources.

Total Loans [1]
$218,820,539

Total value of outstanding loans.

Total Deposits [1]
$291,474,534

Total funds deposited by members.

Members [1]
21,589

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.12%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.65%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
75.07%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -2.55%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 0.59%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -3.32%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

230 W Monroe St, Suite 2850

Chicago, IL, 60606
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 4 branches reported by FIRST NORTHERN (Charter #66359).

Main Office

01 - Monroe Main Office

Type: Corporate Office

230 W Monroe St

Suite 2850

Chicago, IL 60606

Phone: (312) 332-6357

Services: Member Services

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Additional Branches

Chicago

03 - Streeterville

Type: Branch Office

541 N Fairbanks Ct

Chicago, IL 60611

Phone: (312) 394-8500

Services: Member Services, ATM

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Evanston

04 - Evanston

Type: Branch Office

1705 Sherman Ave

Evanston, IL 60201

Phone: (847) 332-0240

Services: Member Services, ATM

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Rockford

02 - Show Place

Type: Branch Office

104 N Show Place Dr

Rockford, IL 61107

Phone: (815) 332-9898

Services: Member Services, ATM, Drive-Thru

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