Side-by-side · Q2 2026 data
Chicago Avenue Garage Federal Credit Union vs Urbana Municipal Employees Credit Union
Credit union
Chicago Avenue Garage Federal Credit Union
Chicago, Illinois · Under $100 million in assets
Credit union
Urbana Municipal Employees Credit Union
Urbana, Illinois · Under $100 million in assets
Metric by metric
| Measure | Chicago Avenue Garage Federal Credit Union | Urbana Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 59 | 66 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 0 |
| Earnings | 25 | 86 (stronger) |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 89 (stronger) | 74 |
| Peer percentile | 20th | 32nd |
| Total assets | $4.4M | $4.9M |
| Deposits / shares | $1.8M | $4.2M |
| Capital ratio | 56.85% (stronger) | 15.30% |
| Problem loans | 18.59% | 3.18% (stronger) |
| Net charge-offs | 5.84% | 0.16% (stronger) |
| Return on assets | 0.13% | 1.66% (stronger) |
| Loans ÷ deposits | 43.2% (stronger) | 81.4% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Urbana Municipal Employees Credit Union has the higher TellerScore (66 vs 59). On the 6 directional measures above (where higher or lower is clearly better), Chicago Avenue Garage Federal Credit Union leads on 2 and Urbana Municipal Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.