BlastPoint's Banking Scorecard
North Side Federal Savings and Loan Association of Chicago
Designations: ✓ Community bank ✓ Mutual
Chicago, IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits -3.0% year over year ($34.6M on the books).
- Delinquency rate 1.85%.
- Return on assets -0.18%.
- Efficiency ratio 106.68% vs a 119.40% peer average.
- Loan-to-deposit ratio 91.63% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
North Side Federal Savings and Loan Association of Chicago has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 12.72% below tier average
Key Concerns
Areas that may need attention
- - ROA 1.18% below tier average
- - Net Interest Margin 0.23% below tier average
- - Delinquency Rate 0.37% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$41.8M
-3.4% YoY
-0.3% QoQ
|
-$20.6M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$31.7M
+4.0% YoY
+2.1% QoQ
|
-$3.2M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
48% |
| Total Deposits ? |
$34.6M
-3.0% YoY
+2.5% QoQ
|
-$17.1M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
24% |
| Return on Assets ? |
-0.18%
+2.1% YoY
+13.3% QoQ
|
-1.18% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 11.6% in tier |
| Net Interest Margin ? |
3.68%
+10.0% YoY
+1.9% QoQ
|
-0.23% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
37% |
| Efficiency Ratio ? |
106.68%
-1.0% YoY
-1.0% QoQ
|
-12.72% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate ? |
1.85%
+5.5% YoY
-3.4% QoQ
|
+0.37% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
91.63%
+7.2% YoY
-0.4% QoQ
|
+17.42% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
24.21%
+6.3% YoY
+4.5% QoQ
|
+0.72% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
54% |
| Nonperforming Asset Ratio ? |
1.40%
+13.6% YoY
-1.0% QoQ
|
+0.56% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
17.92%
-5.5% YoY
-1.9% QoQ
|
-9.20% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.09%
-18.1% YoY
+111.8% QoQ
|
-1.29% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
36% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.2%
+1.4pp YoY +1.0pp QoQ |
-0.4pp | 24.6% | 20.1% | 22.2% | 52% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 14.7% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
84.5%
+0.2pp YoY +0.5pp QoQ |
+49.6pp | 35.0% | 28.3% | 31.3% | 94% |
| Consumer | n/a | n/a | 7.7% | 5.4% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.9%
-1.0pp YoY -0.3pp QoQ |
-20.8pp | 38.7% | 19.9% | 19.7% | 36% |
| Leverage Ratio |
9.0%
0.0pp YoY +0.1pp QoQ |
-8.6pp | 17.7% | 12.2% | 12.6% | 9% |
| Total Capital Ratio |
19.2%
-1.0pp YoY -0.3pp QoQ |
-20.5pp | 39.7% | 20.9% | 20.8% | 36% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
0 YoY 0 QoQ |
-4 | 12 | 228 | 482 | 29% |
| Assets per Employee ($) |
$5.2M
-3.4% YoY -0.3% QoQ |
-$961K | $6.2M | $8.3M | $8.8M | 40% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.8%
+0.1pp YoY -0.1pp QoQ |
+0.1pp | 1.7% | 1.1% | 1.0% | 72% |
| Allowance Coverage |
0.49x
-8.9% YoY +1.4% QoQ |
-5.92x | 6.41x | 5.62x | 20.23x | 20% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-2.1%
+0.2pp YoY +0.3pp QoQ |
-8.5pp | 6.4% | 10.5% | 11.6% | 10% |
| Cost of Funds (YTD) |
1.1%
-0.2pp YoY -0.1pp QoQ |
-0.4pp | 1.4% | 1.6% | 1.7% | 30% |
| Net Income ($, YTD) |
$-38000.0
+5.0% YoY — QoQ |
-$356K | $317,817 | $11.7M | $40.4M | 11% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.