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.
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NCUA 5300 Call Report Masthead
#3,931 of 4,374 health · 2025Q4Chicago Avenue Garage · health 63/100 · $4.3M · 2025Q4
Call Report peers
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Chicago Avenue Garage vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Chicago Avenue Garage sits in 60-64 with 179 others.
63 9th percentile higher than 9% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Illinois, Park Manor Christian Church (#177) scores 64/100, 1 point higher; one place down, Taylorville School Employees (#179) scores 62/100, 1 point lower.
Chicago Avenue Garage Call Report trajectory
Chicago Avenue Garage: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $4.3M (2025Q4) to $4.4M (2026Q1).
- Net-worth ratio shifted -0.74 pp (57.24% → 56.50%).
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
Chicago Avenue Garage gives up 37 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Chicago Avenue Garage financially healthy?
On its 2025Q4 NCUA 5300 filing, Chicago Avenue Garage scores 63/100 (Good), with a 56.50% net worth ratio and 17.53% of loans delinquent. It ranks #3,931 of 4,374 nationally on health and #178 of 192 in Illinois.
How does Chicago Avenue Garage compare to other credit unions?
Chicago Avenue Garage scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (56.50% vs 19.06%). Its widest shortfall is loan-to-share ratio (44.93% vs 63.60%).
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?
Chicago Avenue Garage 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 Avenue Garage's net worth ratio of 56.50% 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.