Chicago Avenue Garage Federal Credit Union Chicago, Illinois
Chicago Avenue Garage Federal Credit Union is a federal credit union headquartered in Chicago, IL, established in 1937 (NCUA charter 2495), and it is regulated and insured by the NCUA. At Q2 2026 it reported 554 members and total assets of $4.4M (down 7.5% from Q2 2025), the 144th largest of 185 credit unions headquartered in Illinois. Its net worth ratio was 56.85% at Q2 2026, in the well capitalized band.
Also written as Chicago Avenue Garage FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 2495
- Headquarters
- Chicago, IL
- Established
- 1937
- Total assets, Q2 2026
- $4.4M
- Assets vs Q2 2025
- -7.5%
- Members, Q2 2026
- 554
- Net worth ratio, Q2 2026
- 56.85%
- Latest call report
- Q2 2026, NCUA 5300 · Chicago Avenue Garage Federal Credit Union call report
- Asset rank in state
- 144th of 185 in Illinois
- Routing number
- 271080066
- Branches
- 3
It has 3 more members than on June 30, 2025 (+0.5%). Its net worth ratio was up 4.84 percentage points from 52.01% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $788K of $788K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 18.59% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 56.85% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Illinois
Frequently asked about Chicago Avenue Garage Federal Credit Union
How big is Chicago Avenue Garage Federal Credit Union?
At Q2 2026 it reported total assets of $4.4M and 554 members.
Where is Chicago Avenue Garage Federal Credit Union headquartered?
It is headquartered in Chicago, IL, United States.
When was Chicago Avenue Garage Federal Credit Union founded?
It was established in 1937, per NCUA records.
Is Chicago Avenue Garage Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 2495): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Chicago Avenue Garage Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Chicago Avenue Garage Federal Credit Union well capitalized?
Its net worth ratio was 56.85% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Chicago Avenue Garage Federal Credit Union's delinquency ratio?
Its delinquency ratio was 18.59% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Chicago Avenue Garage Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 43.19% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Chicago, IL 60624
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1937
- NCUA Charter #
- 2495
- RSSD ID
- 883771
- Members
- 554
- Potential members
- 1,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 56.85% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.05% | 0.72% | 23rd bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | 0.09% | 4.74% | 22nd bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.22% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 83.74% | 79.83% | 42nd below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.10% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 18.59% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.33% | 4.70% | 75th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 43.19% | 58.92% | 26th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.4M total assets against $4.7M; $1.8M total shares and deposits against $2.2M; $788K total loans against $704K.
$2.5M net worth against $2.5M.
56.85% net worth ratio against 52.01%.
43.19% loan-to-share ratio against 31.76%.
18.59% delinquency ratio against 20.94%.
0.05% return on assets against 1.43%; 0.09% return on equity against 2.75%.
5.22% net interest margin against 4.73%.
554 members against 551.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 56.85% | 0.05% | 18.59% | 43.19% |
| March 31, 2026 | 56.50% | 0.21% | 16.95% | 44.92% |
| December 31, 2025 | 57.24% | 1.80% | 17.53% | 44.93% |
| September 30, 2025 | 56.75% | 0.85% | 18.03% | 38.63% |
| June 30, 2025 | 52.01% | 1.43% | 20.94% | 31.76% |
| March 31, 2025 | 51.63% | 0.41% | 12.37% | 32.45% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.