BlastPoint's Credit Union Scorecard
NORTHSIDE L
Charter #2467 · IL
NORTHSIDE L has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.56% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.86% below tier average
- - Efficiency ratio 19.67% above tier (higher cost structure)
- - Delinquency rate 0.74% above tier average
- - Member decline: -7.1% YoY
- - Net Charge-Off Rate: Bottom 7.2% in tier
- - Member Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
808
-7.1% YoY-3.2% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$4.9M
-4.4% YoY-2.6% QoQ
|
$-25.2M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$1.4M
-11.3% YoY-4.3% QoQ
|
$-14.3M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.0% in tier |
| Deposits |
$4.2M
-4.8% YoY-3.1% QoQ
|
$-21.5M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
-0.2%
-66.4% YoY+66.5% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.8% in tier |
| NIM |
5.5%
-3.7% YoY+3.1% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Top 7.1% in tier |
| Efficiency Ratio |
102.2%
+15.7% YoY+1.1% QoQ
|
+19.7% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Top 9.7% in tier |
| Delinquency Rate |
2.3%
-18.6% YoY-7.2% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
33.6%
-6.8% YoY-1.3% QoQ
|
-27.1% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.1% in tier |
| AMR |
$6,972
+0.6% YoY-0.2% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.9% in tier |
| CD Concentration |
0.5%
-6.2% YoY-34.5% QoQ
|
-24.0% | 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)