Federal credit union · Chicago, Illinois · NCUA charter #2495
Chicago Avenue Garage
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $4.3M
- Total assets
- 547
- Members
- 56.5%
- Net-worth ratio
Chicago Avenue Garage scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.3M; members 547; net-worth ratio 56.50%; health rank #3,931 of 4,374; healthier than 9th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,931 of 4,374 health · 2025Q4Chicago Avenue Garage · health 63/100 · $4.3M · 2025Q4
- CHARTER 63/100
- NCUSIF 56.5%
- CAMELS 17.53%
- HEALTH 0.45%
- NW $4.3M
- DELQ 547
- ROA #3,931/4,374
- ASSETS n/a
- MEM 2495
Call Report peers
Chicago Avenue Garage carries $4.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Chicago Avenue Garage 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
63 9th percentile higher than 9% 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 Avenue Garage - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #2495, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Chicago Avenue Garage diverges from peer averages
- Net Worth Ratio leads the peer set - 56.50% here, 19.06% peer average (+37.44 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -18.67 pp (44.93% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Chicago Avenue Garage in Illinois
- Health composite ranks #178 of 192 among scored Illinois credit unions.
- Illinois assets place: #150 of 192.
- Illinois membership ordinal: #152 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Chicago Avenue Garage Call Report trajectory
Chicago Avenue Garage: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $4.3M (2025Q4) to $4.4M (2026Q1).
- Net-worth ratio shifted -0.74 pp (57.24% → 56.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
56.50% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 14.3 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 10.0 pts
Chicago Avenue Garage vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 56.50% | +37.44 pp |
| Delinquency Rate | 17.53% | +15.72 pp |
| Return on Assets | 0.45% | -0.00 pp |
| Member Growth | -0.18% | - |
| Loan-to-Share Ratio | 44.93% | -18.67 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.4M | - |
| 2025Q4 | $4.3M | 547 |
| 2024Q4 | $4.6M | 548 |
| 2023Q4 | $4.8M | 557 |
Credit Union Details
- Charter Number
- 2495
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Chicago Avenue Garage runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main Branch (Main Office) | Chicago, IL |
| Access | Chicago, IL |
| Fiserv Service Center | Phoenix, AZ |
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.
Nationwide credit unions with similar profiles
Chicago Avenue Garage's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- Chicago Avenue Garage ranks #3,931 of 4,374 nationally on financial health and #178 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Normal City Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Normal City 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 Chicago Avenue Garage financially healthy?
A 56.50% net worth ratio and a 17.53% delinquency rate feed into Chicago Avenue Garage's financial health score of 63/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,931 of 4,374; by total assets it ranks #3,944 of 4,374 nationally (same basis as /rankings/largest); and #150 of 192 within Illinois. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Chicago Avenue Garage compare to other credit unions?
On PlainCU's health composite, Chicago Avenue Garage lands at 63/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Chicago Avenue Garage?
Chicago Avenue Garage 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 Chicago Avenue Garage directly for the exact boundaries and application steps.
Is my money safe at Chicago Avenue Garage?
Federal credit unions like Chicago Avenue Garage 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. Chicago Avenue Garage's net worth ratio of 56.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Chicago Avenue Garage offer compared to banks?
Credit unions like Chicago Avenue Garage 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 Chicago Avenue Garage 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.