BlastPoint's Banking Scorecard

North Side Federal Savings and Loan Association of Chicago

under $100M Specialty: Mortgage IL FDIC cert 29449

Designations: ✓ Community bank ✓ Mutual

Chicago, IL

541 banks in the under $100M peer group nationally 61 in IL

North Side Federal Savings and Loan Association of Chicago faces 4 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 1.04% below tier average
- Net Interest Margin 0.24% below tier average
- Efficiency Ratio 19.37% above tier average
- Delinquency Rate 0.54% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$41.9M -2.9% YoY -2.0% QoQ	-$20.2M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	23%
Total Loans ?	$31.0M +0.1% YoY -2.6% QoQ	-$3.2M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	48%
Total Deposits ?	$33.7M -2.4% YoY -2.5% QoQ	-$18.0M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	23%
Return on Assets ?	-0.21% +16.2% YoY -42.4% QoQ	-1.04%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Bottom 12.8% in tier
Net Interest Margin ?	3.62% +9.9% YoY +4.6% QoQ	-0.24%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	38%
Efficiency Ratio ?	107.71% -2.4% YoY +1.7% QoQ	+19.37%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Bottom 11.3% in tier
Delinquency Rate ?	1.91% +2.3% YoY +18.3% QoQ	+0.54%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	23%
Loan-to-Deposit Ratio ?	91.98% +2.6% YoY -0.1% QoQ	+27.77%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Bottom 14.0% in tier
Non-Interest-Bearing Deposit Share ?	23.18% +1.9% YoY +1.8% QoQ	-0.54%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	50%
Nonperforming Asset Ratio ?	1.41% +5.5% YoY +17.5% QoQ	+0.63%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	18%
Tier 1 Capital Ratio ?	18.27% -3.5% YoY +0.7% QoQ	-8.41%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.04% -2.4% YoY -78.1% QoQ	-0.62%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	35%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

481

Efficiency Ratio

profitability

Value: 107.71%

Peer Median: 88.34%

#481 of 541 Bottom 11.3% in under $100M

473

Return on Assets

profitability

Value: -0.21%

Peer Median: 0.84%

#473 of 541 Bottom 12.8% in under $100M

466

Loan-to-Deposit Ratio

liquidity

Value: 91.98%

Peer Median: 64.22%

#466 of 541 Bottom 14.0% in under $100M

446

Nonperforming Asset Ratio

credit_quality

Value: 1.41%

Peer Median: 0.79%

#446 of 541 Bottom 17.7% in under $100M

404

Delinquency Rate

credit_quality

Value: 1.91%

Peer Median: 1.37%

#404 of 521 Bottom 22.6% in under $100M

419

Total Deposits

size

Value: $33.71M

Peer Median: $51.74M

#419 of 541 Bottom 22.7% in under $100M

416

Total Assets

size

Value: $41.95M

Peer Median: $62.16M

#416 of 541 Bottom 23.3% in under $100M