SOUTH SHOP
Charter #2682 · ALSIP, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,302 sits at the 25th percentile of structural peers — worth a closer look.
- Net worth ratio of 21.86% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.76% sits at the 77th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 69th — a 29-point gap showing why the peer definition matters.
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 | SOUTH SHOP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.26M | 6th pct | 26th pct |
| Members | 1,302 | 17th pct | 25th pct |
| Net worth ratio | 21.86% | 90th pct | 82th pct |
| Return on average assets | 0.94% | 65th pct | 62th pct |
| Net interest margin | 4.05% | 60th pct | 41th pct |
| Cost of funds | 0.74% | 45th pct | 69th pct |
| Loan-to-share | 51.08% | 40th pct | 69th pct |
| Delinquency 60+ days | 1.61% | 80th pct | 74th pct |
| Net charge-off ratio | 0.76% | 80th pct | 77th pct |
| Loan growth YoY | -2.12% | 53th pct | 79th pct |
| Share growth YoY | -3.37% | 7th pct | 8th pct |
| Efficiency ratio | 77.33% | 42th pct | 34th pct |
structural peer set hash: 1e6514f7f7ac43fdfe8649a3c72998dd… (reproducible)
Closest structural peers
This is the free public view
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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.