Federal credit union · ALSIP, Illinois · NCUA charter #2682
South Shop
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $11.3M
- Total assets
- 1,303
- Members
- 21.9%
- Net-worth ratio
South Shop scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.3M; members 1,303; net-worth ratio 21.86%; health rank #2,682 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,682 of 4,374 health · 2025Q4South Shop · health 80/100 · $11.3M · 2025Q4
- CHARTER 80/100
- NCUSIF 21.9%
- CAMELS 1.70%
- HEALTH 0.42%
- NW $11.3M
- DELQ 1,303
- ROA #2,682/4,374
- ASSETS CIRCUIT
- MEM 2682
Call Report peers
South Shop in the assets neighbourhood
South Shop's $11.3M assets sit next to CIRCUIT ($11.3M) 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.
South Shop 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
South Shop - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #2682, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for South Shop
- Largest favorable gap: Net Worth Ratio at 21.86% vs peer 14.86% (+7.00 pp).
- Loan-to-Share Ratio trails the peer set - 52.78% here, 59.80% peer average (-7.02 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
South Shop: in-state Call Report ranks
- Illinois health ordinal: #119 of 192.
- Assets rank #119 of 192 inside Illinois ($11.3M reported).
- Membership ranks #117 of 192 among Illinois CUs with a reported count (1,303 members).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
South Shop Call Report trajectory
South Shop: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $11.3M (2025Q4) to $11.3M (2026Q1).
- Net-worth ratio shifted +0.33 pp (21.53% → 21.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 21.86%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA 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 14.7 pts
- Return on Assets 13.8 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 11.7 pts
Call Report ratios for South Shop
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.86% | +7.00 pp |
| Delinquency Rate | 1.70% | +0.56 pp |
| Return on Assets | 0.42% | -0.28 pp |
| Member Growth | 0.70% | - |
| Loan-to-Share Ratio | 52.78% | -7.02 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.3M | - |
| 2025Q4 | $11.3M | 1,303 |
| 2024Q4 | $11.5M | 1,294 |
| 2023Q4 | $12.3M | 1,285 |
Credit Union Details
- Charter Number
- 2682
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- ALSIP
- Data Quarter
- 2025Q4
Branch Location
South Shop operates a single office in ALSIP, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| SOUTH SHOP FCU (Main Office) | ALSIP, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Cross-state Call Report peers for South Shop
Cross-state asset and health neighbours for South Shop - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- South Shop ranks #2,682 of 4,374 nationally on financial health and #119 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Maternity B.V.M. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Maternity B.V.M.
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 South Shop financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, South Shop carries a financial health score of 80/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,682 of 4,374; by total assets it ranks #3,490 of 4,374 nationally (same basis as /rankings/largest); and #119 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 21.86% net worth ratio and a 1.70% delinquency rate.
How does South Shop compare to other credit unions?
80/100 is South Shop's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 South Shop?
South Shop 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 South Shop directly for the exact boundaries and application steps.
Is my money safe at South Shop?
Federal credit unions like South Shop 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. South Shop's net worth ratio of 21.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does South Shop offer compared to banks?
Credit unions like South Shop 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 South Shop 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.