BlastPoint's Credit Union Scorecard
SOUTH SIDE COMMUNITY
Charter #24704 ยท IL
2596 CUs in <100M nationally
143 in IL
SOUTH SIDE COMMUNITY has 2 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 0.3% in tier
- + AMR Growth Rate: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.35% below tier average
- - Efficiency ratio 19.45% above tier (higher cost structure)
- - Member decline: -11.8% YoY
- - Indirect Auto Concentration (%): Bottom 1.4% in tier
- - Member Growth Rate: Bottom 4.5% in tier
- - Asset Growth Rate: Bottom 5.0% in tier
- - Deposit Growth Rate: Bottom 5.9% in tier
- - Average Member Relationship (AMR): Bottom 6.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,500
-11.8% YoY-4.8% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
40% |
| Assets |
$5.4M
-10.3% YoY-5.7% QoQ
|
$-24.5M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$1.6M
+74.1% YoY-9.4% QoQ
|
$-14.1M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$4.1M
-11.2% YoY-6.5% QoQ
|
$-21.3M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
20% |
| ROA |
-0.7%
-82.9% YoY-419.7% QoQ
|
-1.3% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.6% in tier |
| NIM |
3.7%
+9.4% YoY-3.3% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
44% |
| Efficiency Ratio |
100.8%
-33.2% YoY+16.5% QoQ
|
+19.5% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 10.4% in tier |
| Delinquency Rate |
0.5%
-33.1% YoY-58.5% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
44% |
| Loan To Share |
39.8%
+96.1% YoY-3.1% QoQ
|
-21.4% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
19% |
| AMR |
$3,857
+16.9% YoY-2.7% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.0% in tier |
| CD Concentration |
1.1%
-45.4% YoY-24.6% QoQ
|
-23.3% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
54.1%
+1205.5% YoY+2.1% QoQ
|
+40.2% |
14.0%
-5.8% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (4 metrics)
9
Loan Growth Rate
growth
Value:
74.06%
Peer Avg: 59.01%
#9 of 2596
Top 0.3% in <100M tier
91
AMR Growth Rate
growth
Value:
16.92%
Peer Avg: 4.67%
#91 of 2596
Top 3.5% in <100M tier
468
Net Worth Ratio
risk
Value:
21.41%
Peer Avg: 16.43%
#468 of 2596
Top 18.0% in <100M tier
481
Fee Income Per Member
profitability
Value:
$135.71
Peer Avg: $182.96
#481 of 2596
Top 18.5% in <100M tier
Top Weaknesses (13 metrics)
2560
Indirect Auto Concentration (%)
balance_sheet
Value:
54.12%
Peer Avg: 2.84%
#2560 of 2596
Bottom 1.4% in <100M tier
2481
Member Growth Rate
growth
Value:
-11.76%
Peer Avg: 14.92%
#2481 of 2596
Bottom 4.5% in <100M tier
2466
Asset Growth Rate
growth
Value:
-10.33%
Peer Avg: 1.82%
#2466 of 2596
Bottom 5.0% in <100M tier
2443
Deposit Growth Rate
growth
Value:
-11.22%
Peer Avg: 16.80%
#2443 of 2596
Bottom 5.9% in <100M tier
2441
Average Member Relationship (AMR)
engagement
Value:
$3,857
Peer Avg: $14,627
#2441 of 2596
Bottom 6.0% in <100M tier
2433
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,098
Peer Avg: $5,488
#2433 of 2596
Bottom 6.3% in <100M tier
2400
Return on Assets (ROA)
profitability
Value:
-0.66%
Peer Avg: 0.68%
#2400 of 2596
Bottom 7.6% in <100M tier
2327
Efficiency Ratio
profitability
Value:
100.84%
Peer Avg: 81.39%
#2327 of 2596
Bottom 10.4% in <100M tier
2193
Total Loans
balance_sheet
Value:
$1.65M
Peer Avg: $15.77M
#2193 of 2596
Bottom 15.6% in <100M tier
2184
Net Charge-Off Rate
risk
Value:
0.91%
Peer Avg: 0.57%
#2184 of 2596
Bottom 15.9% in <100M tier