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North Side Federal Savings And Loan Association Of Chicago

IDRSSD: 375379
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q3QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #375379 2024-Q3 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 25.0% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 48.6% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ -8
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 88.7%, cash 7.4% of assets.

Cash / Assets
7.38%
Loans / Deposits
88.70%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.66%
No watch items at this period.

Capitalization

StrongQoQ 0
97
Sub-score

Capital position is strong: Tier 1 RBC 19.61%, CET1 19.61%, leverage 9.35%.

Tier 1 RBC
19.61%
CET1
19.61%
Leverage
9.35%
No watch items at this period.

Asset Quality

StrongQoQ 0
87
Sub-score

Asset quality is strong: Adjusted NPL 1.97%, Texas Ratio 14.0%, NCO YTD 0.00%.

Adjusted NPL
1.97%
Govt-guarantees stripped
Texas Ratio
14.0%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
15
Sub-score

Reserves are weak: ALLL 0.95% of loans, coverage 48.6%, true coverage 25.0%.

ALLL / Loans
0.95%
Coverage
48.6%
True Loss Coverage
25.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.6% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 25.0% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 02:36:18 UTC