BlastPoint's Credit Union Scorecard
SOUTH SIDE COMMUNITY
Charter #24704 · IL
SOUTH SIDE COMMUNITY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.38% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 77.96% above tier (higher cost structure)
- - Member decline: -9.8% YoY
- - Indirect Auto Concentration (%): Bottom 1.8% in tier
- - Loan Growth Rate: Bottom 2.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.4% in tier
- - Net Charge-Off Rate: Bottom 5.4% in tier
- - Member Growth Rate: Bottom 6.4% in tier
- - Average Member Relationship (AMR): Bottom 6.4% 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 +2.9% year over year ($4.6M in shares and deposits).
- Membership: 1,420 members, -9.8% vs a year ago.
- Delinquency rate 0.82%.
- Return on assets 2.87%.
- Efficiency ratio 166.72% vs a 88.77% peer average.
- Loan-to-share ratio 28.26% 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 |
1,420
-9.8% YoY-8.4% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$5.7M
-0.2% YoY+5.7% QoQ
|
$-24.6M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$1.3M
-29.2% YoY-11.8% QoQ
|
$-14.2M |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.4% in tier |
| Deposits |
$4.6M
+2.9% YoY+8.5% QoQ
|
$-21.2M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
21% |
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| ROA |
2.9%
+1280.7% YoY-228.3% QoQ
|
+1.4% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
Top 4.5% in tier |
| NIM |
3.1%
-19.3% YoY-38.3% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
21% |
| Efficiency Ratio |
166.7%
+92.6% YoY+26.3% QoQ
|
+78.0% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.9% in tier |
| Delinquency Rate |
0.8%
-35.9% YoY-63.5% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
28.3%
-31.2% YoY-18.7% QoQ
|
-30.6% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 9.6% in tier |
| AMR |
$4,113
+3.7% YoY+12.7% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.4% in tier |
| CD Concentration |
0.9%
-38.8% YoY-7.5% QoQ
|
-23.7% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % |
44.3%
-16.4% YoY-7.3% QoQ
|
+30.7% | 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)