Federal credit union · Chicago, Illinois · NCUA charter #2505
77th Street Depot
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $18.3M
- Total assets
- 4,536
- Members
- 26.4%
- Net-worth ratio
77th Street Depot scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.3M; members 4,536; net-worth ratio 26.42%; health rank #3,573 of 4,374; healthier than 17th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,573 of 4,374 health · 2025Q477th Street Depot · health 70/100 · $18.3M · 2025Q4
Call Report peers
77th Street Depot in the assets neighbourhood
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77th Street Depot vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); 77th Street Depot sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where 77th Street Depot diverges from peer averages
- Net Worth Ratio leads the peer set - 26.42% here, 14.86% peer average (+11.56 pp).
- Largest lag: Loan-to-Share Ratio at 44.87% vs peer 59.80% (-14.93 pp).
Where 77th Street Depot sits in Illinois
- Illinois health ordinal: #157 of 192.
- Assets rank #108 of 192 inside Illinois ($18.3M reported).
- Membership ranks #69 of 192 among Illinois CUs with a reported count (4,536 members).
- One place up in Illinois, Clifford-Jacobs Employees (#156) ties at 70/100; one place down, Pilgrim Baptist (#158) ties at 70/100.
77th Street Depot: 2025Q4 → 2026Q1
77th Street Depot: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.8% from $18.3M (2025Q4) to $17.8M (2026Q1).
- Net-worth ratio shifted +0.48 pp (25.94% → 26.42%).
This credit union's 26.42% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
77th Street Depot gives up 30 points in total. Delinquency Rate costs the most, 13.9 of its 25; Net Worth Ratio and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.1 pts
- Return on Assets 3.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 10.4 pts
77th Street Depot vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.42% | +11.56 pp |
| Delinquency Rate | 2.23% | +1.09 pp |
| Return on Assets | -0.11% | -0.81 pp |
| Member Growth | 5.34% | - |
| Loan-to-Share Ratio | 44.87% | -14.93 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - 77th Street Depot
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.8M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for 77th Street Depot.
| Office | City |
|---|---|
| Main Office (Main Office) | Chicago, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near 77th Street Depot
Similar total assets
Using this data
- 77th Street Depot ranks #3,573 of 4,374 nationally on financial health and #157 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dupage County Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dupage County Employees
Frequently Asked Questions
Is 77th Street Depot financially healthy?
On its 2025Q4 NCUA 5300 filing, 77th Street Depot scores 70/100 (Very Good), with a 26.42% net worth ratio and 2.23% of loans delinquent. It ranks #3,573 of 4,374 nationally on health and #157 of 192 in Illinois.
How does 77th Street Depot compare to other credit unions?
77th Street Depot scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (26.42% vs 14.86%). Its widest shortfall is loan-to-share ratio (44.87% vs 59.80%).
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?
77th Street Depot is a federal credit union; its shares are federally 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 26.42% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.