Federal credit union · ATLANTA, Georgia · NCUA charter #20410
NORTHSIDE
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $21.8M
- Total assets
- 6,023
- Members
- 17.7%
- Net-worth ratio
NORTHSIDE scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.8M; members 6,023; net-worth ratio 17.71%; health rank #2,694 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,694 of 4,374 health · 2025Q4NORTHSIDE · health 80/100 · $21.8M · 2025Q4
- DELQ 80/100
- ROA 17.7%
- ASSETS 1.01%
- MEM 1.12%
- RANK $21.8M
- PHOTO 6,023
- BOOK #2,694/4,374
- CHARTER Metro North
- NCUSIF 20410
Call Report peers
NORTHSIDE in the assets neighbourhood
NORTHSIDE's $21.8M assets sit next to Metro North ($21.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NORTHSIDE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
NORTHSIDE - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #20410 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
NORTHSIDE vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 77.25% here, 59.80% peer average (+17.45 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where NORTHSIDE sits in Georgia
- In Georgia, health place is #45 of 74 on the same NCUA-ratio sort used nationally.
- By total assets, NORTHSIDE is #47 of 74 in Georgia.
- Georgia membership ordinal: #35 of 74.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How NORTHSIDE's 5300 filing moved
NORTHSIDE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $21.8M (2025Q4) to $21.9M (2026Q1).
- Net-worth ratio shifted +0.26 pp (17.45% → 17.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.9 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.1 pts
NORTHSIDE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.71% | +2.85 pp |
| Delinquency Rate | 1.01% | -0.14 pp |
| Return on Assets | 1.12% | +0.41 pp |
| Member Growth | -6.91% | - |
| Loan-to-Share Ratio | 77.25% | +17.45 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
NORTHSIDE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.9M | - |
| 2025Q4 | $21.8M | 6,023 |
| 2024Q4 | $21.8M | 6,470 |
| 2023Q4 | $21.8M | 6,236 |
Credit Union Details
- Charter Number
- 20410
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Georgia
- City
- ATLANTA
- Data Quarter
- 2025Q4
Branch Locations (2)
NORTHSIDE operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Northside FCU (Main Office) | Atlanta, GA |
| Northside Federal Credit Union | Cumming, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
More federally-insured credit unions based in Georgia, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
NORTHSIDE's nationwide photo peers by assets and by health score, excluding Georgia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($21.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- NORTHSIDE ranks #2,694 of 4,374 nationally on financial health and #45 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Glynn County Federal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Glynn County Federal Employees
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is NORTHSIDE financially healthy?
NORTHSIDE has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,694 of 4,374; by total assets it ranks #3,093 of 4,374 nationally (same basis as /rankings/largest); and #47 of 74 within Georgia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.71% and delinquency rate of 1.01%.
How does NORTHSIDE compare to other credit unions?
NORTHSIDE scores 80/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join NORTHSIDE?
NORTHSIDE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact NORTHSIDE directly for the exact boundaries and application steps.
Is my money safe at NORTHSIDE?
Federal credit unions like NORTHSIDE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. NORTHSIDE's net worth ratio of 17.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does NORTHSIDE offer compared to banks?
Credit unions like NORTHSIDE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact NORTHSIDE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.