Credit Union Safety Analysis
Is Cta SS and U Federal Credit Union Safe? Chicago, Illinois
Based on its Q2 2026 NCUA 5300 call report, Cta SS and U Federal Credit Union has a net worth ratio of 22.42%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.42%, 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, Cta SS and U Federal Credit Union's net worth ratio is 22.42%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 22.42%
- Delinquency ratio (60+ days) (Q2 2026): 1.42%
- Return on assets (Q2 2026): 0.87%
- Loan-to-share ratio (Q2 2026): 51.29%
Cta SS and U Federal Credit Union (NCUA charter 2682, established 1938) reported $11.1M in assets and 1,301 members for Q2 2026 from Chicago, Illinois. It ranks 114 of 185 credit unions in Illinois by total assets. Total assets fell 3.4% from $11.5M on June 30, 2025. It has 14 fewer members than on June 30, 2025 (-1.1%). Its net worth ratio was up 1.58 percentage points from 20.84% on June 30, 2025. New vehicle loans are its largest loan category, $1.6M of $4.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.42% 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: 21.86% for Q1 2026; 20.84% 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: 1.61% for Q1 2026; 1.18% 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: 0.94% for Q1 2026; 1.21% 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: 51.08% for Q1 2026; 52.02% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $1.6M
- Used vehicle loans: $1.1M
- Other unsecured loans and lines of credit: $860K
- Unsecured credit card loans: $642K
- Other secured non-real estate loans and lines of credit: $186K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $11.1M | 22.42% | 1.42% | 0.87% | 51.29% |
| March 31, 2026 | $11.3M | 21.86% | 1.61% | 0.94% | 51.08% |
| December 31, 2025 | $11.3M | 21.53% | 1.70% | 0.70% | 52.78% |
| September 30, 2025 | $11.5M | 20.96% | 1.11% | 0.84% | 50.43% |
| June 30, 2025 | $11.5M | 20.84% | 1.18% | 1.21% | 52.02% |
| March 31, 2025 | $11.5M | 20.45% | 1.20% | 1.07% | 51.30% |
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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.
Cta SS and U Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 2682) · FFIEC NIC profile (RSSD 696971)
Frequently asked questions
Is Cta SS and U Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Cta SS and U Federal Credit Union's net worth ratio is 22.42%, above the 7% NCUA threshold for well capitalized.
Is Cta SS and U Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Cta SS and U Federal Credit Union is a federally insured credit union (NCUA charter 2682): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Cta SS and U Federal Credit Union's key safety ratios?
For Q2 2026, Cta SS and U Federal Credit Union reports net worth 22.42%, delinquency 1.42%, ROA 0.87%, loan-to-share 51.29%.
What happens to my money if Cta SS and U Federal Credit Union fails?
For Q2 2026, Cta SS and U Federal Credit Union held $8.6M in shares and deposits for 1,301 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.