TellerScore

Northside Federal Credit Union (NCUA charter #20410) is based in Atlanta, Georgia. Its Q2 2026 call report shows $20.8M in total assets and $16.8M in member shares and deposits and 2 offices.

Northside Federal Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 85% of its 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 10th. Capital cushion contributes the most (100/100, 18.92%); earnings contributes the least (71/100, 1.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.92%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.54%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity90/100
Loans ÷ shares: 70.3% · 0.5% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.64%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (85 → 88), mostly because the loan quality component improved by 11 points.

TellerScore
778388Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202477
Q4 202481
Q1 202587
Q2 202585
Q3 202583
Q4 202585
Q1 202685
Q2 202688
Net worth ratio
7.00%12.96%18.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.95%
Q3 202415.34%
Q4 202415.97%
Q1 202516.01%
Q2 202516.68%
Q3 202517.27%
Q4 202517.45%
Q1 202617.71%
Q2 202618.92%
Delinquent loans (60+ days)
0.54%0.86%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.90%
Q3 20240.89%
Q4 20241.02%
Q1 20250.94%
Q2 20250.86%
Q3 20251.18%
Q4 20251.01%
Q1 20261.00%
Q2 20260.54%
Return on assets
0.36%1.01%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 20240.36%
Q4 20241.12%
Q1 20251.66%
Q2 20251.46%
Q3 20251.57%
Q4 20251.59%
Q1 20261.42%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$20.8M18.92%0.54%1.27%70.3%
Q1 202685$21.9M17.71%1.00%1.42%67.9%
Q4 202585$21.8M17.45%1.01%1.59%77.3%
Q3 202583$21.6M17.27%1.18%1.57%77.9%
Q2 202585$21.8M16.68%0.86%1.46%78.3%
Q1 202587$22.3M16.01%0.94%1.66%73.5%
Q4 202481$21.8M15.97%1.02%1.12%76.0%
Q3 202477$22.2M15.34%0.89%0.36%72.7%
Q2 202477$22.1M14.95%0.90%0.36%72.7%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio18.92%
74th
Problem loans0.54%
56th
Net charge-offs0.81%
18th
Return on assets1.27%
78th
Loans to deposits70.3%
33rd
Uninsured deposits0.5%
58th
Loan-loss reserves0.00%
37th
Texas ratio1.6%
57th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Genuine Parts Credit UnionCredit union Norcross, GA87 out of 100, Very strong$19.5M79.2%0.00%vs
Georgia Power Valdosta Federal Credit UnionCredit union Valdosta, GA84 out of 100, Strong$22.9M15.2%0.69%vs
Glynn County Federal Employees Credit UnionCredit union Brunswick, GA62 out of 100, Moderate$23.0M19.2%2.54%vs
Rome Kraft Employees Credit UnionCredit union Coosa, GA89 out of 100, Very strong$23.0M24.7%0.49%vs
Combined Employees Credit UnionCredit union Warner Robins, GA66 out of 100, Moderate$18.3M8.4%0.05%vs
Savannah Postal Credit UnionCredit union Savannah, GA60 out of 100, Moderate$24.6M15.1%5.80%vs

Deposit insurance

Is my money safe at Northside Federal Credit Union?

Yes. Northside Federal Credit Union is a federally insured credit union (NCUA charter #20410). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.5% of shares and deposits ($90K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 18.92%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Northside Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Northside Federal Credit Union
Type
Federal credit union
NCUA charter #
20410
RSSD ID
895680
Primary regulator
NCUA
Established
1970
Headquarters
980 Johnson Ferry Rd Ne Ste 190, Atlanta, GA 30342
Employees
8

Quick answers

Northside Federal Credit Union: common questions

Is Northside Federal Credit Union NCUA insured?

Yes. Northside Federal Credit Union is a federally insured credit union (NCUA charter #20410). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Northside Federal Credit Union's TellerScore?

88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Northside Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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