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
Call Report peers
NORTHSIDE in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); NORTHSIDE sits in 80-84 with 767 others.
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 vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 77.25% here, 59.80% peer average (+17.45 pp).
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.
- One place up in Georgia, Colquitt County Teacher (#44) ties at 80/100; one place down, Savannah Schools (#46) ties at 80/100.
How NORTHSIDE's 5300 filing moved
NORTHSIDE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $21.8M (2025Q4) to $21.9M (2026Q1).
- Net-worth ratio shifted +0.26 pp (17.45% → 17.71%).
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
NORTHSIDE gives up 20 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is NORTHSIDE financially healthy?
On its 2025Q4 NCUA 5300 filing, NORTHSIDE scores 80/100 (Excellent), with a 17.71% net worth ratio and 1.01% of loans delinquent. It ranks #2,694 of 4,374 nationally on health and #45 of 74 in Georgia.
How does NORTHSIDE compare to other credit unions?
NORTHSIDE scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (77.25% vs 59.80%).
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?
NORTHSIDE is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.