BlastPoint's Credit Union Scorecard
SOUTH SIDE COMMUNITY
Charter #24704 · IL
SOUTH SIDE COMMUNITY has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.21% above tier average
- + Loan Growth Rate: Top 0.6% in tier
- + AMR Growth Rate: Top 1.8% in tier
- + Net Charge-Off Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.44% below tier average
- - Efficiency ratio 25.96% above tier (higher cost structure)
- - Delinquency rate 0.48% above tier average
- - Member decline: -15.2% YoY
- - Indirect Auto Concentration (%): Bottom 1.7% in tier
- - Member Growth Rate: Bottom 2.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.0% in tier
- - Average Member Relationship (AMR): Bottom 6.3% in tier
- - Asset Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,400
-15.2% YoY-6.7% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$5.4M
-6.8% YoY+1.3% QoQ
|
$-24.7M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$1.5M
+64.0% YoY-7.1% QoQ
|
$-14.2M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.8% in tier |
| Deposits |
$4.2M
-7.7% YoY+2.2% QoQ
|
$-21.5M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
-0.8%
-75.6% YoY+23.1% QoQ
|
-1.4% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.7% in tier |
| NIM |
4.2%
+14.4% YoY+11.3% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
108.5%
-25.1% YoY+7.6% QoQ
|
+26.0% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Top 7.0% in tier |
| Delinquency Rate |
2.0%
+268.1% YoY+283.1% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
36.2%
+77.7% YoY-9.1% QoQ
|
-24.4% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$4,113
+23.1% YoY+6.6% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.2% in tier |
| CD Concentration |
0.8%
-59.4% YoY-24.1% QoQ
|
-23.6% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % |
50.0%
+2023.8% YoY-7.6% QoQ
|
+36.2% | 13.8% | 7.1% | 7.8% | 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)