Credit Union Safety Analysis
Is North Side L Federal Credit Union Safe? Chicago, Illinois
Based on its Q2 2026 NCUA 5300 call report, North Side L Federal Credit Union has a net worth ratio of 15.23%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.22%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, North Side L Federal Credit Union's net worth ratio is 15.23%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.23%
- Delinquency ratio (60+ days) (Q2 2026): 3.22%
- Return on assets (Q2 2026): -0.58%
- Loan-to-share ratio (Q2 2026): 26.19%
North Side L Federal Credit Union (NCUA charter 2467, established 1937) reported $5.0M in assets and 790 members for Q2 2026 from Chicago, Illinois. It ranks 139 of 185 credit unions in Illinois by total assets. Total assets fell 2.9% from $5.1M on June 30, 2025. It has 68 fewer members than on June 30, 2025 (-7.9%). Its net worth ratio was down 0.05 percentage points from 15.28% on June 30, 2025. Used vehicle loans are its largest loan category, $471K of $1.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.22% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 15.59% for Q1 2026; 15.28% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 4.70% for Q1 2026; 0.68% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.79% for Q1 2026; 0.20% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 30.15% for Q1 2026; 33.07% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $471K
- Other unsecured loans and lines of credit: $390K
- New vehicle loans: $202K
- Unsecured credit card loans: $66K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.0M | 15.23% | 3.22% | -0.58% | 26.19% |
| March 31, 2026 | $4.9M | 15.59% | 4.70% | -0.79% | 30.15% |
| December 31, 2025 | $4.9M | 15.74% | 2.29% | -0.53% | 33.56% |
| September 30, 2025 | $5.0M | 15.46% | 2.47% | -0.15% | 33.99% |
| June 30, 2025 | $5.1M | 15.28% | 0.68% | 0.20% | 33.07% |
| March 31, 2025 | $5.1M | 15.40% | 0.62% | -0.48% | 34.52% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
North Side L Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 2467) · FFIEC NIC profile (RSSD 749475)
Frequently asked questions
Is North Side L Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, North Side L Federal Credit Union's net worth ratio is 15.23%, above the 7% NCUA threshold for well capitalized.
Is North Side L Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. North Side L Federal Credit Union is a federally insured credit union (NCUA charter 2467): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are North Side L Federal Credit Union's key safety ratios?
For Q2 2026, North Side L Federal Credit Union reports net worth 15.23%, delinquency 3.22%, ROA -0.58%, loan-to-share 26.19%.
What happens to my money if North Side L Federal Credit Union fails?
For Q2 2026, North Side L Federal Credit Union held $4.3M in shares and deposits for 790 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.