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
- NW 70/100
- DELQ 26.4%
- ROA 2.23%
- ASSETS -0.11%
- MEM $18.3M
- RANK 4,536
- PHOTO #3,573/4,374
- BOOK Santo Christo
- CHARTER 2505
Call Report peers
77th Street Depot in the assets neighbourhood
77th Street Depot's $18.3M assets sit next to Santo Christo ($18.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
77th Street Depot vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
77th Street Depot: 2025Q4 → 2026Q1
77th Street Depot: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.8% from $18.3M (2025Q4) to $17.8M (2026Q1).
- Net-worth ratio shifted +0.48 pp (25.94% → 26.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for 77th Street Depot, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,573 of 4,374; by total assets it ranks #3,198 of 4,374 nationally (same basis as /rankings/largest); and #108 of 192 within Illinois. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 26.42% 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 26.42% 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.
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.