BlastPoint's Credit Union Scorecard
NORTHSIDE
Charter #20410 · GA
NORTHSIDE has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.19% above tier average
- + Members Per Employee (MPE): Top 3.8% in tier
- + Total Members: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Member decline: -4.2% YoY
- - Average Member Relationship (AMR): Bottom 8.7% in tier
- - Loan Growth Rate: Bottom 10.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 41 that size in Georgia.
- Shares and deposits -7.2% year over year ($16.8M in shares and deposits).
- Membership: 5,902 members, -4.2% vs a year ago.
- Delinquency rate 0.54%.
- Return on assets 1.24%.
- Efficiency ratio 67.29% vs a 88.77% peer average.
- Loan-to-share ratio 70.33% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,902
-4.2% YoY-0.8% QoQ
|
+3.3K |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
Top 9.1% in tier |
| Assets |
$20.8M
-4.7% YoY-5.1% QoQ
|
$-9.5M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
49% |
| Loans |
$11.8M
-16.7% YoY-3.1% QoQ
|
$-3.6M |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
56% |
| Deposits |
$16.8M
-7.2% YoY-6.5% QoQ
|
$-9.0M |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
48% |
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| ROA |
1.2%
-14.5% YoY-12.7% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
71% |
| NIM |
4.1%
-8.9% YoY+1.5% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
60% |
| Efficiency Ratio |
67.3%
+5.7% YoY+1.4% QoQ
|
-21.5% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
21% |
| Delinquency Rate |
0.5%
-36.8% YoY-45.4% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
44% |
| Loan To Share |
70.3%
-10.2% YoY+3.6% QoQ
|
+11.4% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$4,853
-7.4% YoY-4.3% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.7% in tier |
| CD Concentration |
7.0%
+30.2% YoY+4.9% QoQ
|
-17.6% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 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)