Federal credit union · Chicago, Illinois · NCUA charter #2498
Cta-74th Street Depot
Health score 55/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $8.8M
- Total assets
- 777
- Members
- 17.0%
- Net-worth ratio
Cta-74th Street Depot scores 55/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.8M; members 777; net-worth ratio 16.99%; health rank #4,180 of 4,374; healthier than 4th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,180 of 4,374 health · 2025Q4Cta-74th Street Depot · health 55/100 · $8.8M · 2025Q4
- MEM 55/100
- RANK 17.0%
- PHOTO 5.50%
- BOOK -1.14%
- CHARTER $8.8M
- NCUSIF 777
- CAMELS #4,180/4,374
- HEALTH n/a
- NW 2498
Call Report peers
Cta-74th Street Depot carries $8.8M 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.
Cta-74th Street Depot 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
55 4th percentile higher than 4% 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
Cta-74th Street Depot - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #2498: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Cta-74th Street Depot: Call Report deltas vs peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -21.53 pp (42.07% 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.
Illinois standing for Cta-74th Street Depot
- Illinois health ordinal: #184 of 192.
- Assets rank #128 of 192 inside Illinois ($8.8M reported).
- Illinois membership ordinal: #139 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.
Cta-74th Street Depot Call Report trajectory
Cta-74th Street Depot: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.2% from $8.8M (2025Q4) to $8.4M (2026Q1).
- Net-worth ratio shifted +0.58 pp (16.41% → 16.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.99% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 55/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 55.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.99% | -2.07 pp |
| Delinquency Rate | 5.50% | +3.70 pp |
| Return on Assets | -1.14% | -1.59 pp |
| Member Growth | 7.17% | - |
| Loan-to-Share Ratio | 42.07% | -21.53 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).
Cta-74th Street Depot filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.4M | - |
| 2025Q4 | $8.8M | 777 |
| 2024Q4 | $9.2M | 725 |
| 2023Q4 | $9.2M | 661 |
Credit Union Details
- Charter Number
- 2498
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Cta-74th Street Depot runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | Chicago, IL |
| Northside L FCU RECOVERY | Broadview, IL |
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.
Cta-74th Street Depot nationwide neighbourhoods
Cta-74th Street Depot'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 (55/100 here).
Using this data
- Cta-74th Street Depot ranks #4,180 of 4,374 nationally on financial health and #184 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Chicago Area Office is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Chicago Area Office
- 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 Cta-74th Street Depot financially healthy?
Yes/no aside, the number is 55/100 (Fair) - Cta-74th Street Depot's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,180 of 4,374; by total assets it ranks #3,619 of 4,374 nationally (same basis as /rankings/largest); and #128 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.99% net worth ratio and 5.50% delinquency rate are the key drivers.
How does Cta-74th Street Depot compare to other credit unions?
On PlainCU's health composite, Cta-74th Street Depot lands at 55/100, 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 Cta-74th Street Depot?
Cta-74th Street Depot 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 Cta-74th Street Depot directly for the exact boundaries and application steps.
Is my money safe at Cta-74th Street Depot?
Federal credit unions like Cta-74th Street Depot 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. Cta-74th Street Depot's net worth ratio of 16.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cta-74th Street Depot offer compared to banks?
Credit unions like Cta-74th Street Depot 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 Cta-74th Street Depot 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.