BlastPoint's Credit Union Scorecard
NORTHSIDE L
Charter #2467 · IL
NORTHSIDE L has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.18% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.81% below tier average
- - Efficiency ratio 19.59% above tier (higher cost structure)
- - Delinquency rate 1.67% above tier average
- - Member decline: -7.9% YoY
- - Loan Growth Rate: Bottom 4.9% in tier
- - Loan-to-Share Ratio: Bottom 8.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.3% in tier
- - Member Growth Rate: Bottom 8.9% 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 127 that size in Illinois.
- Shares and deposits -2.5% year over year ($4.3M in shares and deposits).
- Membership: 790 members, -7.9% vs a year ago.
- Delinquency rate 3.22%.
- Return on assets 0.69%.
- Efficiency ratio 108.36% vs a 88.77% peer average.
- Loan-to-share ratio 26.19% 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 (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
790
-7.9% YoY-0.6% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$5.0M
-2.9% YoY+1.4% QoQ
|
$-25.3M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$1.1M
-22.8% YoY-11.4% QoQ
|
$-14.3M |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.4% in tier |
| Deposits |
$4.3M
-2.5% YoY+2.0% QoQ
|
$-21.5M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
0.7%
-593.3% YoY-186.4% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
43% |
| NIM |
5.1%
-6.0% YoY-2.3% QoQ
|
+1.2% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Top 10.8% in tier |
| Efficiency Ratio |
108.4%
+8.0% YoY-2.2% QoQ
|
+19.6% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate |
3.2%
+372.9% YoY-31.6% QoQ
|
+1.7 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.0% in tier |
| Loan To Share |
26.2%
-20.8% YoY-13.1% QoQ
|
-32.7% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 8.1% in tier |
| AMR |
$6,878
+0.4% YoY-0.5% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.3% in tier |
| CD Concentration |
0.4%
-45.2% YoY-2.0% QoQ
|
-24.2% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 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)