South Shop

ALSIP, IL · 1 · Charter #2682 · www.southshopfcu.org
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
$11.3M
45th percentile
Members
1,303
46th percentile
Total loans
$4.7M
42th percentile
Total shares
$8.8M
44th percentile

Profitability

Return on assets
0.97%
58th percentile
Net interest margin
3.74%
41th percentile
Efficiency ratio
61.09%
62th percentile
Non-interest income ratio
1.50%
17th percentile

Capital & Risk

Net worth ratio
21.53%
79th percentile
Delinquency rate
1.70%
28th percentile
Net charge-off rate
-0.08%
95th percentile
Loan-to-share
52.78%
39th percentile

Growth

Member growth YoY
0.70%
75th percentile
Asset growth YoY
-1.90%
30th percentile
Loan growth YoY
0.72%
65th percentile
Share growth YoY
-3.49%
27th percentile

Operations

Members / branch
1,303
58th percentile
Assets / member
$8,678
45th percentile
Field of membership penetration
86.87%
94th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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