BlastPoint's Credit Union Scorecard
SOUTH SIDE COMMUNITY
Charter #24704 · IL
SOUTH SIDE COMMUNITY has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.04% above tier average
- + Loan Growth Rate: Top 0.5% in tier
- + AMR Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 2.38% below tier average
- - Efficiency ratio 41.34% above tier (higher cost structure)
- - Delinquency rate 0.75% above tier average
- - Member decline: -3.1% YoY
- - Indirect Auto Concentration (%): Bottom 1.7% in tier
- - Average Member Relationship (AMR): Bottom 5.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,550
-3.1% YoY+10.7% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
42% |
| Assets |
$5.4M
-5.8% YoY-1.2% QoQ
|
$-24.8M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$1.5M
+71.7% YoY-4.6% QoQ
|
$-13.8M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 14.6% in tier |
| Deposits |
$4.2M
-4.9% YoY-0.8% QoQ
|
$-21.6M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
20% |
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| ROA |
-2.2%
-1150.6% YoY+173.5% QoQ
|
-2.4% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.2% in tier |
| NIM |
5.0%
+42.4% YoY+21.4% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Top 11.0% in tier |
| Efficiency Ratio |
132.0%
+49.6% YoY+21.6% QoQ
|
+41.3% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.3% in tier |
| Delinquency Rate |
2.3%
+27.0% YoY+10.6% QoQ
|
+0.7 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
34.8%
+80.6% YoY-3.9% QoQ
|
-23.7% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$3,648
+10.9% YoY-11.3% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.5% in tier |
| CD Concentration |
1.0%
-35.0% YoY+15.5% QoQ
|
-23.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % |
47.8%
+2524.5% YoY-4.4% QoQ
|
+34.0% | 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)