Northside

ATLANTA, GA · 1 · Charter #20410 · www.northsidefcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$21.8M
65th percentile
Members
6,023
99th percentile
Total loans
$13.3M
74th percentile
Total shares
$17.2M
63th percentile

Profitability

Return on assets
1.97%
90th percentile
Net interest margin
4.54%
71th percentile
Efficiency ratio
56.99%
72th percentile
Non-interest income ratio
11.62%
58th percentile

Capital & Risk

Net worth ratio
17.45%
64th percentile
Delinquency rate
1.01%
41th percentile
Net charge-off rate
0.69%
25th percentile
Loan-to-share
77.25%
72th percentile

Growth

Member growth YoY
-6.91%
10th percentile
Asset growth YoY
-0.05%
41th percentile
Loan growth YoY
-4.64%
43th percentile
Share growth YoY
-6.18%
17th percentile

Operations

Members / branch
3,012
92th percentile
Assets / member
$3,617
9th percentile
Field of membership penetration
26.19%
40th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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