NORTHSIDE
Charter #20410 | GA
<100M
(2596 CUs)
Micro
($0-$500M)
43 <100M in GA
NORTHSIDE has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.88% above tier average
- + Net Interest Margin 0.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.9% in tier
- + Total Members: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.5% YoY
- - Average Member Relationship (AMR): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,090
-3.5% YoY-1.2% QoQ
|
+3.5K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 9.0% in tier |
| Assets |
$21.6M
-2.6% YoY-0.9% QoQ
|
$-8.2M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
50th in tier |
| Loans |
$13.9M
+1.5% YoY-2.1% QoQ
|
$-1.9M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
59th in tier |
| Deposits |
$17.8M
-5.2% YoY-1.6% QoQ
|
$-7.6M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
50th in tier |
| ROA |
1.6%
+332.4% YoY+8.2% QoQ
|
+0.9% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Top 18.6% in tier |
| NIM |
4.6%
+22.4% YoY+2.6% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Top 23.6% in tier |
| Efficiency Ratio |
63.5%
-8.8% YoY-0.3% QoQ
|
-17.9% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 18.8% in tier |
| Delinquency Rate |
1.2%
+32.7% YoY+36.5% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
66th in tier |
| Loan To Share |
77.9%
+7.1% YoY-0.5% QoQ
|
+16.7% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
74th in tier |
| AMR |
$5,209
+1.2% YoY-0.7% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.9% in tier |
| CD Concentration |
5.0%
+24.6% YoY-6.4% QoQ
|
-19.4% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
50
Members Per Employee (MPE)
engagement
Value:
870.000
Peer Avg: 365.701
#50 of 2596
Top 1.9% in <100M tier
233
Total Members
engagement
Value:
6,090
Peer Avg: 2,626
#233 of 2596
Top 8.9% in <100M tier
482
Return on Assets (ROA)
profitability
Value:
1.57%
Peer Avg: 0.68%
#482 of 2596
Top 18.5% in <100M tier
488
Efficiency Ratio
profitability
Value:
63.47%
Peer Avg: 81.39%
#488 of 2596
Top 18.8% in <100M tier
613
Net Interest Margin (NIM)
profitability
Value:
4.60%
Peer Avg: 3.93%
#613 of 2596
Top 23.6% in <100M tier
Top Weaknesses (5 metrics)
2340
Average Member Relationship (AMR)
engagement
Value:
$5,209
Peer Avg: $14,627
#2340 of 2596
Bottom 9.9% in <100M tier
2180
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,281
Peer Avg: $5,488
#2180 of 2596
Bottom 16.1% in <100M tier
2159
Deposit Growth Rate
growth
Value:
-5.23%
Peer Avg: 16.80%
#2159 of 2596
Bottom 16.9% in <100M tier
1985
Asset Growth Rate
growth
Value:
-2.60%
Peer Avg: 1.82%
#1985 of 2596
Bottom 23.6% in <100M tier
1979
Net Charge-Off Rate
risk
Value:
0.66%
Peer Avg: 0.57%
#1979 of 2596
Bottom 23.8% in <100M tier