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 1.19% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.94% below tier average
- - Efficiency ratio 20.15% above tier (higher cost structure)
- - Delinquency rate 3.20% above tier average
- - Member decline: -7.3% YoY
- - Total Delinquency Rate (60+ days): Bottom 6.4% in tier
- - Net Charge-Off Rate: Bottom 9.5% in tier
- - Member Growth Rate: Bottom 9.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
795
-7.3% YoY-1.6% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$4.9M
-3.2% YoY-0.3% QoQ
|
$-25.3M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$1.3M
-15.5% YoY-10.1% QoQ
|
$-14.0M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 13.3% in tier |
| Deposits |
$4.2M
-3.3% YoY+0.1% QoQ
|
$-21.6M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
20% |
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 |
-0.8%
+66.8% YoY+231.0% QoQ
|
-0.9% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.7% in tier |
| NIM |
5.2%
-5.7% YoY-5.6% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Top 9.0% in tier |
| Efficiency Ratio |
110.8%
+5.4% YoY+8.4% QoQ
|
+20.1% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.3% in tier |
| Delinquency Rate |
4.7%
+658.8% YoY+105.4% QoQ
|
+3.2 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.4% in tier |
| Loan To Share |
30.2%
-12.6% YoY-10.1% QoQ
|
-28.4% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.7% in tier |
| AMR |
$6,911
+1.0% YoY-0.9% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 14.8% in tier |
| CD Concentration |
0.4%
-50.3% YoY-16.0% QoQ
|
-23.9% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 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)