Federal credit union · CHICAGO, Illinois · NCUA charter #18882
C T a F C
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $759K
- Total assets
- 680
- Members
- 17.1%
- Net-worth ratio
C T a F C scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $759K; members 680; net-worth ratio 17.14%; health rank #1,397 of 4,374; healthier than 65th of scored peers.
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#1,397 of 4,374 health · 2025Q4C T a F C · health 88/100 · $759K · 2025Q4
Call Report peers
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C T a F C vs every NCUA-scored credit union
C T a F C sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where C T a F C diverges from peer averages
- Largest favorable gap: Return on Assets at 4.92% vs peer 0.22% (+4.70 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -19.76 pp (32.94% vs 52.70%).
C T a F C in Illinois
- In Illinois, health place is #49 of 192 on the same NCUA-ratio sort used nationally.
- By total assets, C T a F C is #175 of 192 in Illinois.
- Illinois membership ordinal: #143 of 192.
- One place up in Illinois, State Employees Community (#48) ties at 88/100; one place down, Trinity U.C.C. (#50) ties at 88/100.
C T a F C Call Report trajectory
C T a F C: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $759K (2025Q4) to $756K (2026Q1).
- Net-worth ratio shifted -0.71 pp (17.85% → 17.14%).
This credit union's 17.14% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
C T a F C gives up 12 points in total. Loan-to-Share Ratio costs the most, 6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 9.0 pts
C T a F C vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.14% | -5.79 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 4.92% | +4.70 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 32.94% | -19.76 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $756K | - |
| 2025Q4 | $759K | 680 |
| 2024Q4 | $756K | 680 |
| 2023Q4 | $714K | 682 |
Credit Union Details
- Charter Number
- 18882
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Illinois
- City
- CHICAGO
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, C T a F C runs one office.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | CHICAGO, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
C T a F C nationwide neighbourhoods
Similar health score
Using this data
- C T a F C ranks #1,397 of 4,374 nationally on financial health and #49 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MEA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MEA
Frequently Asked Questions
Is C T a F C financially healthy?
On its 2025Q4 NCUA 5300 filing, C T a F C scores 88/100 (Excellent), with a 17.14% net worth ratio and 0.00% of loans delinquent. It ranks #1,397 of 4,374 nationally on health and #49 of 192 in Illinois.
How does C T a F C compare to other credit unions?
C T a F C scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is return on assets (4.92% vs 0.22%). Its widest shortfall is loan-to-share ratio (32.94% vs 52.70%).
How can I join C T a F C?
C T a F C 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 C T a F C directly for the exact boundaries and application steps.
Is my money safe at C T a F C?
C T a F C 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. C T a F C's net worth ratio of 17.14% 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.