Credit Union Safety Analysis
Is Chicago Avenue Garage Federal Credit Union Safe? Chicago, Illinois
Based on its Q2 2026 NCUA 5300 call report, Chicago Avenue Garage Federal Credit Union has a net worth ratio of 56.85%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 18.59%, 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, Chicago Avenue Garage Federal Credit Union's net worth ratio is 56.85%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 56.85%
- Delinquency ratio (60+ days) (Q2 2026): 18.59%
- Return on assets (Q2 2026): 0.05%
- Loan-to-share ratio (Q2 2026): 43.19%
Chicago Avenue Garage Federal Credit Union (NCUA charter 2495, established 1937) reported $4.4M in assets and 554 members for Q2 2026 from Chicago, Illinois. It ranks 144 of 185 credit unions in Illinois by total assets. Total assets fell 7.5% from $4.7M on June 30, 2025. 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.
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: 56.50% for Q1 2026; 52.01% 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%.
Earlier filings: 16.95% for Q1 2026; 20.94% for Q2 2025.
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: 0.21% for Q1 2026; 1.43% 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: 44.92% for Q1 2026; 31.76% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $788K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.4M | 56.85% | 18.59% | 0.05% | 43.19% |
| March 31, 2026 | $4.4M | 56.50% | 16.95% | 0.21% | 44.92% |
| December 31, 2025 | $4.3M | 57.24% | 17.53% | 1.80% | 44.93% |
| September 30, 2025 | $4.3M | 56.75% | 18.03% | 0.85% | 38.63% |
| June 30, 2025 | $4.7M | 52.01% | 20.94% | 1.43% | 31.76% |
| March 31, 2025 | $4.7M | 51.63% | 12.37% | 0.41% | 32.45% |
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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.
Chicago Avenue Garage Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 2495) · FFIEC NIC profile (RSSD 883771)
Frequently asked questions
Is Chicago Avenue Garage Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Chicago Avenue Garage Federal Credit Union's net worth ratio is 56.85%, above the 7% NCUA threshold for well capitalized.
Is Chicago Avenue Garage Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Chicago Avenue Garage Federal Credit Union is a federally insured credit union (NCUA charter 2495): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Chicago Avenue Garage Federal Credit Union's key safety ratios?
For Q2 2026, Chicago Avenue Garage Federal Credit Union reports net worth 56.85%, delinquency 18.59%, ROA 0.05%, loan-to-share 43.19%.
What happens to my money if Chicago Avenue Garage Federal Credit Union fails?
For Q2 2026, Chicago Avenue Garage Federal Credit Union held $1.8M in shares and deposits for 554 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.