BlastPoint's Banking Scorecard
North Side Federal Savings and Loan Association of Chicago
Micro
Specialty: Mortgage
IL
FDIC cert 29449
Designations: ✓ Community bank ✓ Mutual
Chicago, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
North Side Federal Savings and Loan Association of Chicago faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.23% below tier
- - Efficiency Ratio 38.20% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$42.8M
-2.5% YoY
+0.0% QoQ
|
-$174.7M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$31.9M
+3.4% YoY
+2.7% QoQ
|
-$107.3M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$34.6M
-2.3% YoY
-3.0% QoQ
|
-$149.1M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
-0.15%
-45.7% YoY
-5.2% QoQ
|
-1.23% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
3.46%
-1.4% YoY
+1.4% QoQ
|
-0.40% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
105.93%
+2.0% YoY
+0.3% QoQ
|
+38.20% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
1.62%
-15.0% YoY
-4.3% QoQ
|
+0.98% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
92.12%
+5.8% YoY
+5.9% QoQ
|
+17.59% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
22.77%
-11.5% YoY
+2.3% QoQ
|
+0.38% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
1.20%
-9.9% YoY
-1.7% QoQ
|
+0.75% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
18.14%
-5.3% YoY
-2.3% QoQ
|
+9.29% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.20%
-8.3% YoY
+27.2% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.15%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
105.93%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Tier 1 Capital Ratio
Current: 18.14% · Tier avg: 8.85%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.77% · Tier avg: 22.39%
32
32th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.85%
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.12% · Tier avg: 74.53%
17
17th pctile
Delinquency Rate
Current: 1.62% · Tier avg: 0.64%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.20% · Tier avg: 0.45%
12
12th pctile
Total Loans
Current: $31.9M · Tier avg: $139.2M
6
6th pctile
Total Deposits
Current: $34.6M · Tier avg: $183.7M
5
5th pctile
Total Assets
Current: $42.8M · Tier avg: $217.5M
5
5th pctile
Return on Assets
Current: -0.15% · Tier avg: 1.08%
3
3th pctile
Efficiency Ratio
Current: 105.93% · Tier avg: 67.73%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 105.93% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.15% · Tier avg: 1.08%
5
5th pctile
Total Assets
Current: $42.8M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $34.6M · Tier avg: $183.7M
12
12th pctile
Total Loans
Current: $31.9M · Tier avg: $139.2M
15
15th pctile
Nonperforming Asset Ratio
Current: 1.20% · Tier avg: 0.45%
17
17th pctile
Delinquency Rate
Current: 1.62% · Tier avg: 0.64%
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.12% · Tier avg: 74.53%
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
32
32th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.85%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.77% · Tier avg: 22.39%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.14% · Tier avg: 8.85%