Credit Union Safety Analysis
Is C T A F C Federal Credit Union Safe? Chicago, Illinois
Based on its Q2 2026 NCUA 5300 call report, C T A F C Federal Credit Union has a net worth ratio of 16.50%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, C T A F C Federal Credit Union's net worth ratio is 16.50%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.50%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): -3.14%
- Loan-to-share ratio (Q2 2026): 26.19%
C T A F C Federal Credit Union (NCUA charter 18882, established 1968) reported $756K in assets and 301 members for Q2 2026 from Chicago, Illinois. It ranks 169 of 185 credit unions in Illinois by total assets. Total assets fell 2.4% from $775K on June 30, 2025. It has 379 fewer members than on June 30, 2025 (-55.7%). Its net worth ratio was down 0.84 percentage points from 17.34% on June 30, 2025. New vehicle loans are its largest loan category, $107K of $165K in total loans on its June 30, 2026 filing.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 17.14% for Q1 2026; 17.34% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -2.46% for Q1 2026; -5.25% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 28.04% for Q1 2026; 40.10% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $107K
- Used vehicle loans: $39K
- Other unsecured loans and lines of credit: $18K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $756K | 16.50% | — | -3.14% | 26.19% |
| March 31, 2026 | $756K | 17.14% | — | -2.46% | 28.04% |
| December 31, 2025 | $759K | 17.85% | — | -0.82% | 32.94% |
| September 30, 2025 | $760K | 17.86% | — | 0.66% | 37.47% |
| June 30, 2025 | $775K | 17.34% | — | -5.25% | 40.10% |
| March 31, 2025 | $772K | 17.76% | — | -1.13% | 37.90% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
C T A F C Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 18882) · FFIEC NIC profile (RSSD 799386)
Frequently asked questions
Is C T A F C Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, C T A F C Federal Credit Union's net worth ratio is 16.50%, above the 7% NCUA threshold for well capitalized.
Is C T A F C Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. C T A F C Federal Credit Union is a federally insured credit union (NCUA charter 18882): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are C T A F C Federal Credit Union's key safety ratios?
For Q2 2026, C T A F C Federal Credit Union reports net worth 16.50%, delinquency not reported, ROA -3.14%, loan-to-share 26.19%.
What happens to my money if C T A F C Federal Credit Union fails?
For Q2 2026, C T A F C Federal Credit Union held $628K in shares and deposits for 301 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.