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
- ROA 52/100
- ASSETS 20.5%
- MEM 2.04%
- RANK -3.64%
- PHOTO $5.4M
- BOOK 1,400
- CHARTER #4,238/4,374
- NCUSIF n/a
- CAMELS 24704
Call Report peers
South Side Community carries $5.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24704 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 Side Community Call Report trajectory
South Side Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.2% from $5.4M (2025Q4) to $5.4M (2026Q1).
- Net-worth ratio shifted -0.31 pp (20.83% → 20.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 52.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for South Side Community, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (52/100 here).
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
- 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 Side Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, South Side Community carries a financial health score of 52/100 (Fair). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,238 of 4,374; by total assets it ranks #3,850 of 4,374 nationally (same basis as /rankings/largest); and #141 of 192 within Illinois. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 20.52% net worth ratio and a 2.04% delinquency rate.
How does South Side Community compare to other credit unions?
52/100 is South Side Community's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like South Side Community 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 Side Community's net worth ratio of 20.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does South Side Community offer compared to banks?
Credit unions like South Side Community 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 Side Community 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.