North Side Federal Savings and Loan Association of Chicago: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks North Side Federal Savings and Loan Association of Chicago of Chicago, IL against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.15% | 3.14% | -3.29% | 13th bottom |
| ROAE | -1.72% | 10.43% | -12.15% | 11th bottom |
| Net Interest Margin | 3.68% | 3.93% | -0.25% | 39th below |
| Efficiency Ratio | 105.67% | 76.27% | +29.40% | 11th bottom |
| PPNR / Avg Assets | -0.21% | 1.40% | -1.61% | 10th bottom |
| Yield on Earning Assets | 4.68% | 5.35% | -0.67% | 28th below |
| Cost of Funds | 1.17% | 1.71% | -0.54% | 70th above |
| Net Interest Spread | 3.34% | 3.31% | +0.03% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.41% | 1.34% | +2.07% | 8th bottom |
| NPA / Total Assets | 2.61% | 0.71% | +1.90% | 6th bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.90% | 1.49% | -0.59% | 20th bottom |
| ACL / NPLs (Coverage) | 26.33% | 865.58% | -839.25% | 5th bottom |
| Texas Ratio | 27.21% | 8.23% | +18.98% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.92% | 61.97% | -44.05% | 35th below |
| Tier 1 Ratio | 17.92% | 61.97% | -44.05% | 35th below |
| Total Capital Ratio | 19.17% | 62.94% | -43.77% | 35th below |
| Leverage Ratio | 9.05% | 17.61% | -8.56% | 10th bottom |
| Equity / Assets | 8.89% | 16.43% | -7.54% | 16th bottom |
| TCE / Tangible Assets | 8.89% | 16.18% | -7.29% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.46% | 72.81% | +19.65% | 15th bottom |
| Core Deposit Ratio | 96.67% | 88.20% | +8.47% | 81st top |
| Wholesale Funding Ratio | 8.01% | 5.27% | +2.74% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.37% | 4.31% | -7.68% | 17th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.01% | 6.73% | -2.72% | 56th above |
| Deposit Growth (Y/Y) | -2.96% | 3.78% | -6.74% | 21st bottom |
See North Side Federal Savings and Loan Association of Chicago's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock North Side Federal Savings and Loan Association of Chicago, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full North Side Federal Savings and Loan Association of Chicago profile, how to read a UBPR, or how this data updates.