South Side Community Chicago, IL · Charter 24704 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 1 branch
Q2 2026
$5.7M Assets
$1.3M Loans
$4.6M Shares
$1.1M Net Worth
Executive Summary Strongest standing: tier 1 capital ratio outperforms 72% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 27 of 96). Widest gap: return on equity trails 94% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 89 of 95). Overall: at or above the peer median on 3 of 7 directional measures. Return on Assets
-2.78%
Rank 89 of 96
Net Interest Margin
3.06%
Rank 70 of 96
Efficiency Ratio
165.12%
Rank 87 of 96
Equity / Assets
18.53%
Rank 27 of 96
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets -2.78% -0.02% 0.42% 1.03% Beats 7% 89 / 96 Return on Equity -14.98% -0.11% 2.94% 6.89% Beats 6% 89 / 95 Net Interest Margin 3.06% 3.01% 3.57% 4.27% Beats 27% 70 / 96 Efficiency Ratio 165.12% 73.45% 82.91% 96.61% Beats 10% 87 / 96 Asset Quality Nonperforming Loans / Loans 0.85% 0.08% 0.86% 1.63% Beats 52% 46 / 93 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 18.53% 11.79% 15.23% 18.93% Beats 72% 27 / 96 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 18.53% 11.79% 15.23% 18.93% Beats 72% 27 / 96 Liquidity & Funding Loans / Deposits 28.26% 32.14% 50.03% 67.81% 21st pctl 76 / 96 Loans / Assets 22.61% 23.12% 42.50% 56.24% 23rd pctl 74 / 96 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (93 to 96 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11