South Side Community

Chicago, IL · 1 · Charter #24704 · www.southsidecommunityfcu.or
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
$5.4M
27th percentile
Members
1,400
49th percentile
Total loans
$1.5M
19th percentile
Total shares
$4.2M
26th percentile

Profitability

Return on assets
-0.93%
6th percentile
Net interest margin
4.13%
56th percentile
Efficiency ratio
102.02%
5th percentile
Non-interest income ratio
39.66%
97th percentile

Capital & Risk

Net worth ratio
20.83%
77th percentile
Delinquency rate
2.04%
24th percentile
Net charge-off rate
-0.05%
95th percentile
Loan-to-share
36.18%
17th percentile

Growth

Member growth YoY
-15.15%
2th percentile
Asset growth YoY
-6.78%
11th percentile
Loan growth YoY
64.03%
99th percentile
Share growth YoY
-7.70%
13th percentile

Operations

Members / branch
700
33th percentile
Assets / member
$3,890
10th percentile
Field of membership penetration
1.87%
10th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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