# NORTHSIDE
ATLANTA, GA · NCUA charter 20410 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/northside-20410

Who the members are: federal charter, service (single sponsor), organized 1970. 5,951 members of 23,000 potential (25.9% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 25.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $21.9M |
| Members | 5,951 (-6.6% YoY) |
| Full-time staff | 7 |
| Net worth | $3.9M |
| Net worth ratio | 17.7% (p65 of band) |
| ROA (annualized) | 1.42% (p83 of band) |
| Total delinquency | 1.00% (p62 of band) |
| Net charge-offs (annualized) | 1.09% (p87 of band) |
| Loans / shares | 68% (p64 of band) |
| Cash / assets | 43.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.03% (p56 of band) |
| Operating expense / assets | 2.94% (p30 of band) |
| Vehicles % of loans | 89% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.93% (p63 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 93% |
| Certificates % of member funds | 7% |
| Average share balance | $3,078 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $8,208 |
| Loans granted, annualized | $2.9M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 | charge-offs p90 | losing money |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | charge-offs p90 |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | charge-offs p90 |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-06 | 1 |  | delinquency 2x band, delinquency rising |
| 2019-09 | 4 | delinquency rising, repo signal, members leaving |  |
| 2019-12 | 4 | delinquency 2x band | repo signal |
| 2020-03 | 3 | margin squeeze | delinquency rising, delinquency 2x band |
| 2020-06 | 8 | net worth falling, delinquency 2x band, delinquency rising, charge-offs p90, loan book shrinking |  |
| 2020-09 | 5 |  | members leaving, delinquency rising, charge-offs p90 |
| 2020-12 | 3 |  | net worth falling, delinquency 2x band |
| 2021-03 | 4 | delinquency 2x band |  |
| 2021-06 | 5 | net worth falling, charge-offs p90 | delinquency 2x band |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 | members leaving | net worth falling |
| 2022-03 | 4 |  | charge-offs p90 |
| 2022-06 | 4 | net worth falling, delinquency 2x band, delinquency rising | margin squeeze, loan book shrinking, members leaving |
| 2022-09 | 3 |  | net worth falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 | assets shrinking | delinquency rising |
| 2023-09 | 2 |  | delinquency 2x band |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | margin squeeze |  |
| 2024-06 | 2 |  | margin squeeze |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | members leaving |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | loan book shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-04 [Jeff L. Morris Obituary Jun 17, 2012 - Northside Chapel Funeral Directors and Crematory](https://news.google.com/rss/articles/CBMiZEFVX3lxTE4zdUptSUtfVzM0QUVwczdwYldKSldQWVFEOWlIVjVlSDFsdFNLZDNoREo3SVRtQktwQWdjRDZxczRQTk01Nm8yalFkTEVyZTZ1TkIzZEVyY1I5ZllUelRfODRmbzQ?oc=5) · Northside Chapel Funeral Directors and Crematory
- 2026-08-18 [James Ronald Martin Obituary May 21, 2007 - Northside Chapel Funeral Directors and Crematory](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5ISVFiakhTeEpvdWV5VHZLTGx4YWJPb09OZkgtQ2tIUXd3RUVHeDI5WjA4Tng3UzR3S3dTN2ZBX3JGbUJtZUF5T003VWZOeHRjOXVISWVlSEtibzhNRkI2MjMtdkpWdw?oc=5) · Northside Chapel Funeral Directors and Crematory
- 2024-01-29 [Michigan credit union to buy NorthSide Community Bank - Banking Dive](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNZnM5dnlscmxCV1Baa0ZGRUtWeWVXV0FOcERHVjR0amlQUVcweWFoRW5UakNqNDB2dmdIUnRNdkZCX3J2Nk0xbWRNbkNjNV93UngtOEIyZ2EtSkJuN3luOVJZOV8yN0M0Z0tZWjlpM0hsWExqd3pHN1lwMGx6eHpkMFNtVW1Sd201YzM3cDlXR0wzVXdKNjcyajJjeW16NGtaWHFVUmYtWDc?oc=5) · Banking Dive
- 2025-01-02 [How many credit unions acquired banks in 2024? An industry M&A analysis | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRXVobmhmLTlwUVhUSGhzUFNydE44NGZZekt6VlJsa0E0a2cxOV9fTEgwa2tHV0dpTXIxSEI2NUxQTERjeDNLSUlfWkJ4QXdzQzJ4QU9fN2RSUjVpTmJGQmJQSmxJd3NXQ04zSXJWMDU0cC1VenNxcXM4Y3hGXzUwUTAzYzZzeGtzeWU0X2RKN1RVWjhCaUg2QVl4U0xOV01vcUVrOTR1dHFYbTFiMmR0QWtkSzI2TzlLYzJn?oc=5) · American Banker
- 2025-05-12 [Credit Union 1 Finalizes Emory Alliance Credit Union Merger, Increasing Asset Size to $1.6 Billion - fintechfutures.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNX3hoMGZGS3NId1RfWEVvZVMzWHpoLVhsOVJFVHhBNkU2RktWQlNmU1c4OHpRbTI3UjN3eWQtZjJDSF85WXFBakhGR214SFZGTjlnQ2k2X1ZCZHhPMjNBNTZHVHVob1F6ZTJFSG5jYVVIMU9TRW1qaDRzNWh6TEc2SWI3TXdKSmRYWkMzSE5US2Q4VVZ2a01oWC1DT3pZaGtiOEJyTTRWdkNRMUFVVjN5dTFwX0psQ283ZzJtWEw0bFhCOEFRbzUxeGY3eWpTcG5lMDVJT3F0UXVVUQ?oc=5) · fintechfutures.com
- 2020-02-10 [Vaughn Burton Obituary Feb 10, 2020 - Hart's Mortuary & Cremation Center](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBYQ2dacU9xN1oyc3pmMmNPS29zSlBlc3pQTTVmaHZTQzhyRzBOYTA2V2JTUUhwSGpINDJRTVphODhMMUp1Um0ySGFCYnoycnZGV2tveUdDWWFPQ19LQXZr?oc=5) · Hart's Mortuary &amp; Cremation Center
- 2022-06-03 [Illinois proves M&A hot spot with pair of credit union-bank tie-ups - Banking Dive](https://news.google.com/rss/articles/CBMivgFBVV95cUxQVzN2YmF4cWZkTUhiTzFVcXR1bXgtOXFfZnhnT1FFX04yZmllQVBnS3ozdjdPZUIwZThGb1ZxUGFheTNnR2lKbkdOY1psOERsckhfbnJSMWtuSld3d0ZFM0pha01abFVxNVdMY3lHMXRCcUdIQm1CcFZwdk1VZ28ySlZJcUU5c2lTcTNUVUxUcVQ2b0NzaUhaY05fM054MTFHUFhUM3ZSdjlRMHVjbnV2cm1IVExQNDFIRThYc3Bn?oc=5) · Banking Dive
- 2022-12-22 [Credit unions ramped up bank-buying in 2022 - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMlp4eGJFMEV0RW9pQlJUeE9sTlV1cmNtX2J6QWxfNnFCc19razZDNUJUdXJvVDhzeXh5RkdCb3hrWG1mMzAxcXZCOHVENEY2Ykx2WV92MmFBbUVob2dCOERuS3Z3OWlaeS1lV1dsUFhsVjA0NW02NnpndkI0TUtsbjdUbWNkblJlaEY5a0hUalJ2cWdWcHc?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20410 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/58.json (key "20410", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=20410
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide