Federal credit union · Chicago, Illinois · NCUA charter #5045
Chicago Area Office
Health score 43/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 43
- Health / 100
- $9.2M
- Total assets
- 1,261
- Members
- 20.8%
- Net-worth ratio
Chicago Area Office scores 43/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.2M; members 1,261; net-worth ratio 20.75%; health rank #4,324 of 4,374; healthier than 1st of scored peers.
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#4,324 of 4,374 health · 2025Q4Chicago Area Office · health 43/100 · $9.2M · 2025Q4
Call Report peers
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Chicago Area Office vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Chicago Area Office sits in 40-44 with 25 others.
43 1st percentile higher than 1% 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
Chicago Area Office vs $2M–$10M peers
- Largest favorable gap: Net Worth Ratio at 20.75% vs peer 19.06% (+1.69 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -24.33 pp (39.27% vs 63.60%).
Where Chicago Area Office sits in Illinois
- In Illinois, health place is #191 of 192 on the same NCUA-ratio sort used nationally.
- Assets rank #127 of 192 inside Illinois ($9.2M reported).
- Membership ranks #120 of 192 among Illinois CUs with a reported count (1,261 members).
- One place up in Illinois, IMPERIAL (#190) scores 47/100, 4 points higher; one place down, Anco Community (#192) scores 39/100, 4 points lower.
Chicago Area Office Call Report trajectory
Chicago Area Office: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $9.2M (2025Q4) to $9.5M (2026Q1).
- Net-worth ratio shifted -1.27 pp (22.02% → 20.75%).
At 20.75%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 43/100 score is built
Chicago Area Office gives up 57 points in total. Delinquency Rate costs the most, 24.4 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.6 pts
- Return on Assets 2.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.7 pts
Chicago Area Office health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.75% | +1.69 pp |
| Delinquency Rate | 3.90% | +2.09 pp |
| Return on Assets | -0.21% | -0.66 pp |
| Member Growth | -5.68% | - |
| Loan-to-Share Ratio | 39.27% | -24.33 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Chicago Area Office quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.5M | - |
| 2025Q4 | $9.2M | 1,261 |
| 2024Q4 | $9.5M | 1,337 |
| 2023Q4 | $9.9M | 1,331 |
Credit Union Details
- Charter Number
- 5045
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Chicago Area Office runs 2 offices.
| Office | City |
|---|---|
| Coporate Office (Main Office) | Chicago, IL |
| Disaster Recovery | Chicago, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Chicago Area Office ranks #4,324 of 4,374 nationally on financial health and #191 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cta-74th Street Depot is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cta-74th Street Depot
Frequently Asked Questions
Is Chicago Area Office financially healthy?
Chicago Area Office has a financial health score of 43/100 (Below Average) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,324 of 4,374 nationally on health and #191 of 192 in Illinois. Its net worth ratio is 20.75% and its delinquency rate 3.90%.
How does Chicago Area Office compare to other credit unions?
Chicago Area Office scores 43/100, higher than 1% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (20.75% vs 19.06%). Its widest shortfall is loan-to-share ratio (39.27% vs 63.60%).
How can I join Chicago Area Office?
Chicago Area Office serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Chicago Area Office directly for the current list of qualifying groups.
Is my money safe at Chicago Area Office?
Chicago Area Office 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. Chicago Area Office's net worth ratio of 20.75% 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.