Federal credit union · Chicago, Illinois · NCUA charter #2495

Chicago Avenue Garage

Health score 63/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.

63
Health / 100
$4.3M
Total assets
547
Members
42.9%
Net-worth ratio

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.

NCUSIF coverage gauge for Chicago Avenue Garage Share insurance under NCUSIF covers up to $250,000 per share owner. Chicago Avenue Garage holds approximately $1.8M in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 30.0 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 30.0% · $1.8M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Chicago Avenue Garage - Five Health Pillars

This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.

  • Capital (net worth ratio) 42.86% 30% weight
  • Asset quality (delinquency) 17.53% 25% weight
  • Earnings (ROA) 0.45% 15% weight
  • Member growth -0.18% 15% weight
  • Liquidity (loan-to-share) 45% 15% weight

Weighted composite: 63/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

42.86% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

$4.3M
Total Assets
547
Members
$806K
Total Loans
$1.8M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 42.86% 30%
Delinquency Rate 17.53% 25%
Return on Assets 0.45% 15%
Member Growth -0.18% 15%
Loan-to-Share Ratio 44.93% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).

Historical Financials

Quarter Assets Members
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

What This Data Says About Chicago Avenue Garage

547 members and $4.3M in total assets sit behind Chicago Avenue Garage, a federal credit union in Chicago, Illinois, which posts a health score of 63/100 (Good) on the five-factor composite, with $806K in outstanding loans as of Q4 2025 and a net worth ratio of 42.86% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #2495 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.

Two more numbers round out the picture: a 17.53% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers - and a 44.93% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.45% on net income of $20K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by -0.18%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.

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Compare Chicago Avenue Garage vs NORMAL CITY EMPLOYEES

Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is Chicago Avenue Garage financially healthy?

A 42.86% 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. 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 42.86% 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.