NORTHSIDE
Charter #20410 · ATLANTA, GA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,951 ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.42% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.00% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.05% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 66.39% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | NORTHSIDE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.90M | 41th pct | 77th pct |
| Members | 5,951 | 99th pct | 98th pct |
| Net worth ratio | 17.71% | 75th pct | 59th pct |
| Return on average assets | 1.42% | 84th pct | 79th pct |
| Net interest margin | 4.04% | 59th pct | 61th pct |
| Cost of funds | 0.57% | 37th pct | 43th pct |
| Loan-to-share | 67.86% | 67th pct | 52th pct |
| Delinquency 60+ days | 1.00% | 68th pct | 75th pct |
| Net charge-off ratio | 1.05% | 87th pct | 82th pct |
| Loan growth YoY | -12.14% | 4th pct | 5th pct |
| Share growth YoY | 0.88% | 34th pct | 48th pct |
| Efficiency ratio | 66.39% | 20th pct | 23th pct |
structural peer set hash: 22054a0c61ff38f8b300420e2b60f63a… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.