BlastPoint's Credit Union Scorecard
NORTHSIDE L
Charter #2467 · IL
NORTHSIDE L has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.41% 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 0.83% below tier average
- - Efficiency ratio 19.68% above tier (higher cost structure)
- - Delinquency rate 0.96% above tier average
- - Member decline: -6.4% YoY
- - Net Charge-Off Rate: Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
835
-6.4% YoY-2.7% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
24% |
| Assets |
$5.0M
-0.4% YoY-1.4% QoQ
|
$-24.8M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
19% |
| Loans |
$1.5M
-8.4% YoY+1.3% QoQ
|
$-14.3M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.6% in tier |
| Deposits |
$4.4M
+0.3% YoY-1.5% QoQ
|
$-21.1M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
21% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.1%
-64.8% YoY+3.6% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.2% in tier |
| NIM |
5.3%
-6.2% YoY-1.1% QoQ
|
+1.4% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 9.2% in tier |
| Efficiency Ratio |
101.1%
+20.8% YoY+0.7% QoQ
|
+19.7% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 10.3% in tier |
| Delinquency Rate |
2.5%
+10.3% YoY+262.8% QoQ
|
+1.0 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
85% |
| Loan To Share |
34.0%
-8.6% YoY+2.8% QoQ
|
-27.2% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.2% in tier |
| AMR |
$6,985
+4.6% YoY+1.9% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.9% in tier |
| CD Concentration |
0.7%
+21.3% YoY+1.5% QoQ
|
-23.7% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
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)