TellerScore

Headquartered in Chicago, Illinois, 77th Street Depot Federal Credit Union is a federal credit union with $17.7M in total assets and $13.0M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1938.

Based on its Q2 2026 filing, 77th Street Depot Federal Credit Union scores 55/100, which we describe as moderate. That is higher than only 15% of 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 172nd. Its strongest component is capital cushion (100/100; 25.85%), and its lowest is earnings (0/100; -1.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 25.85%
Loan quality3/100
Loans 60+ days delinquent ÷ total loans: 2.92%
Earnings0/100
Return on assets (annualized): -1.86%
Funding & liquidity100/100
Loans ÷ shares: 40.4% · 0.0% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.37%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 17 points (72 → 55), mostly because the earnings component weakened by 41 points.

TellerScore
556881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202474
Q4 202473
Q1 202581
Q2 202572
Q3 202564
Q4 202564
Q1 202673
Q2 202655
Net worth ratio
7.00%16.71%26.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202424.03%
Q3 202424.62%
Q4 202424.22%
Q1 202524.61%
Q2 202525.62%
Q3 202525.75%
Q4 202525.94%
Q1 202626.42%
Q2 202625.85%
Delinquent loans (60+ days)
0.79%1.86%2.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.42%
Q3 20241.04%
Q4 20241.17%
Q1 20251.03%
Q2 20251.89%
Q3 20252.44%
Q4 20252.23%
Q1 20260.79%
Q2 20262.92%
Return on assets
-1.86%-0.55%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.32%
Q3 2024-0.16%
Q4 2024-0.10%
Q1 20250.76%
Q2 20250.52%
Q3 20250.06%
Q4 2025-0.13%
Q1 2026-1.06%
Q2 2026-1.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$17.7M25.85%2.92%-1.86%40.4%
Q1 202673$17.8M26.42%0.79%-1.06%43.3%
Q4 202564$18.3M25.94%2.23%-0.13%44.9%
Q3 202564$18.6M25.75%2.44%0.06%39.2%
Q2 202572$18.8M25.62%1.89%0.52%40.8%
Q1 202581$19.5M24.61%1.03%0.76%39.9%
Q4 202473$19.7M24.22%1.17%-0.10%40.6%
Q3 202474$19.4M24.62%1.04%-0.16%36.5%
Q2 202469$19.8M24.03%1.42%-0.32%37.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio25.85%
90th
Problem loans2.92%
13th
Net charge-offs3.22%
3rd
Return on assets-1.86%
4th
Loans to deposits40.4%
78th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio3.4%
40th

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Deposit insurance

Is my money safe at 77th Street Depot Federal Credit Union?

Yes. 77th Street Depot Federal Credit Union is a federally insured credit union (NCUA charter #2505). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 25.85%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

77th Street Depot Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
77th Street Depot Federal Credit Union
Type
Federal credit union
NCUA charter #
2505
RSSD ID
885878
Primary regulator
NCUA
Established
1938
Headquarters
5401 S Wentworth Ave Ste 26, Chicago, IL 60609
Employees
12

Quick answers

77th Street Depot Federal Credit Union: common questions

Is 77th Street Depot Federal Credit Union NCUA insured?

Yes. 77th Street Depot Federal Credit Union is a federally insured credit union (NCUA charter #2505). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is 77th Street Depot Federal Credit Union's TellerScore?

55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does 77th Street Depot Federal Credit Union have?

1 office as of the latest NCUA data.

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