Credit Union Safety Analysis
Is Chicago's Bravest Credit Union Safe? Chicago, Illinois
Based on its Q2 2026 NCUA 5300 call report, Chicago's Bravest Credit Union has a net worth ratio of 21.27%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.93%, 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's Bravest Credit Union's net worth ratio is 21.27%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 21.27%
- Delinquency ratio (60+ days) (Q2 2026): 0.93%
- Return on assets (Q2 2026): 1.53%
- Loan-to-share ratio (Q2 2026): 73.69%
Chicago's Bravest Credit Union (NCUA charter 61560, established 1957) reported $10.6M in assets and 1,279 members for Q2 2026 from Chicago, Illinois. It ranks 116 of 185 credit unions in Illinois by total assets. Total assets were about level with $10.6M on June 30, 2025. It has 61 more members than on June 30, 2025 (+5.0%). Its net worth ratio was up 1.03 percentage points from 20.24% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $3.2M of $6.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.93% 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: 20.95% for Q1 2026; 20.24% 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: 0.67% for Q1 2026; 1.03% 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: 0.89% for Q1 2026; 2.88% 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: 74.93% for Q1 2026; 82.44% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $3.2M
- Used vehicle loans: $1.6M
- New vehicle loans: $1.1M
- Other secured non-real estate loans and lines of credit: $123K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $10.6M | 21.27% | 0.93% | 1.53% | 73.69% |
| March 31, 2026 | $10.6M | 20.95% | 0.67% | 0.89% | 74.93% |
| December 31, 2025 | $10.5M | 20.80% | 0.97% | 1.45% | 80.80% |
| September 30, 2025 | $10.6M | 20.19% | 0.34% | 0.76% | 79.37% |
| June 30, 2025 | $10.6M | 20.24% | 1.03% | 2.88% | 82.44% |
| March 31, 2025 | $10.5M | 19.64% | 0.59% | 1.03% | 88.15% |
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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's Bravest Credit Union profile
Regulator records: NCUA credit union profile (charter 61560) · FFIEC NIC profile (RSSD 27799)
Frequently asked questions
Is Chicago's Bravest Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Chicago's Bravest Credit Union's net worth ratio is 21.27%, above the 7% NCUA threshold for well capitalized.
Is Chicago's Bravest Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Chicago's Bravest Credit Union is a federally insured credit union (NCUA charter 61560): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Chicago's Bravest Credit Union's key safety ratios?
For Q2 2026, Chicago's Bravest Credit Union reports net worth 21.27%, delinquency 0.93%, ROA 1.53%, loan-to-share 73.69%.
What happens to my money if Chicago's Bravest Credit Union fails?
For Q2 2026, Chicago's Bravest Credit Union held $8.3M in shares and deposits for 1,279 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.