Federal credit union · Chicago, Illinois · NCUA charter #24704
South Side Community
Health score 52/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $5.4M
- Total assets
- 1,400
- Members
- 20.5%
- Net-worth ratio
South Side Community scores 52/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.4M; members 1,400; net-worth ratio 20.52%; health rank #4,238 of 4,374; healthier than 3rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,238 of 4,374 health · 2025Q4South Side Community · health 52/100 · $5.4M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
South Side Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); South Side Community sits in 50-54 with 82 others.
52 3rd percentile higher than 3% 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 Side Community vs $2M–$10M peers
- Net Worth Ratio leads the peer set - 20.52% here, 19.06% peer average (+1.46 pp).
- Largest lag: Loan-to-Share Ratio at 36.18% vs peer 63.60% (-27.42 pp).
Illinois standing for South Side Community
- Illinois health ordinal: #187 of 192.
- By total assets, South Side Community is #141 of 192 in Illinois.
- Membership ranks #116 of 192 among Illinois CUs with a reported count (1,400 members).
- One place up in Illinois, VIBRANT (#186) scores 53/100, 1 point higher; one place down, Northside L (#188) scores 50/100, 2 points lower.
South Side Community Call Report trajectory
South Side Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.2% from $5.4M (2025Q4) to $5.4M (2026Q1).
- Net-worth ratio shifted -0.31 pp (20.83% → 20.52%).
At 20.52%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 52/100 score is built
South Side Community gives up 48 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.3 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.52% | +1.46 pp |
| Delinquency Rate | 2.04% | +0.23 pp |
| Return on Assets | -3.64% | -4.09 pp |
| Member Growth | -15.15% | - |
| Loan-to-Share Ratio | 36.18% | -27.42 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
South Side Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.4M | - |
| 2025Q4 | $5.4M | 1,400 |
| 2024Q4 | $5.8M | 1,650 |
| 2023Q4 | $6.1M | 1,800 |
Credit Union Details
- Charter Number
- 24704
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for South Side Community.
| Office | City |
|---|---|
| Main Office (Main Office) | Chicago, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- South Side Community ranks #4,238 of 4,374 nationally on financial health and #187 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Decatur Policemen is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Decatur Policemen
Frequently Asked Questions
Is South Side Community financially healthy?
On its 2025Q4 NCUA 5300 filing, South Side Community scores 52/100 (Fair), with a 20.52% net worth ratio and 2.04% of loans delinquent. It ranks #4,238 of 4,374 nationally on health and #187 of 192 in Illinois.
How does South Side Community compare to other credit unions?
South Side Community scores 52/100, higher than 3% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (20.52% vs 19.06%). Its widest shortfall is loan-to-share ratio (36.18% vs 63.60%).
How can I join South Side Community?
South Side Community 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 Side Community directly for the exact boundaries and application steps.
Is my money safe at South Side Community?
South Side Community 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 Side Community's net worth ratio of 20.52% 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.