BlastPoint's Credit Union Scorecard
SOUTH SHOP
Charter #2682 · IL
SOUTH SHOP has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.34% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.15% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,303
+0.7% YoY-0.1% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$11.3M
-1.9% YoY-1.8% QoQ
|
$-18.8M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$4.7M
+0.7% YoY+2.7% QoQ
|
$-11.1M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$8.8M
-3.5% YoY-1.9% QoQ
|
$-16.9M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
1.0%
+132.7% YoY-7.8% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
3.7%
+8.1% YoY-2.3% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
74.6%
-10.6% YoY+2.2% QoQ
|
-7.9% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
1.7%
+250.3% YoY+53.0% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
52.8%
+4.4% YoY+4.7% QoQ
|
-7.8% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$10,360
-2.8% YoY-0.2% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)