Federal credit union · Chicago, Illinois · NCUA charter #2505
77th Street Depot
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $18.3M
- Total assets
- 4,536
- Members
- 22.7%
- Net-worth ratio
77th Street Depot - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #2505 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
77th Street Depot - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)44
- Earnings (ROA)24
- Member growth100
- Liquidity (loan-to-share)67
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 22.69% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 22.69% | 30% |
| Delinquency Rate | 2.23% | 25% |
| Return on Assets | -0.11% | 15% |
| Member Growth | 5.34% | 15% |
| Loan-to-Share Ratio | 44.87% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $18.3M | 4,536 |
| 2024Q4 | $19.7M | 4,306 |
| 2023Q4 | $20.2M | 5,237 |
Credit Union Details
- Charter Number
- 2505
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
What This Data Says About 77th Street Depot
Headquartered in Chicago, Illinois, 77th Street Depot is a federal credit union with 4,536 members, $18.3M in total assets, and $6.0M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 70/100 (Very Good), driven in part by a net worth ratio of 22.69% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #2505 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 2.23% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers - and a 44.87% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.11% on net income of $-19437 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 5.34%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is 77th Street Depot financially healthy?
77th Street Depot has a financial health score of 70/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 22.69% and delinquency rate of 2.23%.
How does 77th Street Depot compare to other credit unions?
77th Street Depot scores 70/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join 77th Street Depot?
77th Street Depot operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact 77th Street Depot directly for the exact boundaries and application steps.
Is my money safe at 77th Street Depot?
Federal credit unions like 77th Street Depot are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 77th Street Depot's net worth ratio of 22.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 77th Street Depot offer compared to banks?
Credit unions like 77th Street Depot are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 77th Street Depot directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.