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.
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NCUA 5300 Call Report Masthead
#2,682 of 4,374 health · 2025Q4South Shop · health 80/100 · $11.3M · 2025Q4
Call Report peers
South Shop in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); South Shop 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Illinois, Pontiac Dwight Prison Employs (#118) scores 81/100, 1 point higher; one place down, St. Mark (#120) ties at 80/100.
South Shop Call Report trajectory
South Shop: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $11.3M (2025Q4) to $11.3M (2026Q1).
- Net-worth ratio shifted +0.33 pp (21.53% → 21.86%).
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
South Shop gives up 20 points in total. Delinquency Rate costs the most, 10.3 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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.
Frequently Asked Questions
Is South Shop financially healthy?
On its 2025Q4 NCUA 5300 filing, South Shop scores 80/100 (Excellent), with a 21.86% net worth ratio and 1.70% of loans delinquent. It ranks #2,682 of 4,374 nationally on health and #119 of 192 in Illinois.
How does South Shop compare to other credit unions?
South Shop 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 net worth ratio (21.86% vs 14.86%). Its widest shortfall is loan-to-share ratio (52.78% vs 59.80%).
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?
South Shop 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. South Shop's net worth ratio of 21.86% 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.