Chicago Area Office Federal Credit Union is a federal credit union headquartered in Chicago, Illinois, in business for about 83 years. At the end of Q2 2026 it reported $9.4M in total assets and $7.4M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Chicago Area Office Federal Credit Union scores 53/100, which we describe as below average. That is higher than only 12% of 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 177th. Its strongest component is capital cushion (100/100; 20.49%), and its lowest is earnings (0/100; -1.54%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (54 → 53).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 55 |
| Q4 2024 | 56 |
| Q1 2025 | 53 |
| Q2 2025 | 54 |
| Q3 2025 | 58 |
| Q4 2025 | 54 |
| Q1 2026 | 54 |
| Q2 2026 | 53 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 21.44% |
| Q3 2024 | 21.60% |
| Q4 2024 | 22.52% |
| Q1 2025 | 21.72% |
| Q2 2025 | 21.72% |
| Q3 2025 | 21.57% |
| Q4 2025 | 22.02% |
| Q1 2026 | 20.75% |
| Q2 2026 | 20.49% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 5.45% |
| Q3 2024 | 5.16% |
| Q4 2024 | 5.65% |
| Q1 2025 | 5.74% |
| Q2 2025 | 3.89% |
| Q3 2025 | 2.57% |
| Q4 2025 | 3.90% |
| Q1 2026 | 5.42% |
| Q2 2026 | 6.32% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.23% |
| Q3 2024 | -0.34% |
| Q4 2024 | -0.20% |
| Q1 2025 | -1.70% |
| Q2 2025 | -2.02% |
| Q3 2025 | -1.46% |
| Q4 2025 | -1.14% |
| Q1 2026 | -1.94% |
| Q2 2026 | -1.54% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 53 | $9.4M | 20.49% | 6.32% | -1.54% | 34.0% |
| Q1 2026 | 54 | $9.5M | 20.75% | 5.42% | -1.94% | 35.4% |
| Q4 2025 | 54 | $9.2M | 22.02% | 3.90% | -1.14% | 39.3% |
| Q3 2025 | 58 | $9.4M | 21.57% | 2.57% | -1.46% | 39.2% |
| Q2 2025 | 54 | $9.3M | 21.72% | 3.89% | -2.02% | 37.4% |
| Q1 2025 | 53 | $9.6M | 21.72% | 5.74% | -1.70% | 38.5% |
| Q4 2024 | 56 | $9.5M | 22.52% | 5.65% | -0.20% | 42.4% |
| Q3 2024 | 55 | $9.8M | 21.60% | 5.16% | -0.34% | 39.6% |
| Q2 2024 | 56 | $9.9M | 21.44% | 5.45% | -0.23% | 37.8% |
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).
Similar-size credit unions in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Metropolitan "l" Federal Credit UnionCredit union Oak Park, IL | 76 out of 100, Strong | $9.3M | 17.0% | 1.38% | vs |
| Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL | 100 out of 100, Very strong | $10.0M | 19.4% | 0.00% | vs |
| Anco Community Credit UnionCredit union La Salle, IL | 19 out of 100, Low | $10.2M | 4.8% | 3.64% | vs |
| Cta-74th Street Depot Federal Credit UnionCredit union Chicago, IL | 53 out of 100, Below average | $8.6M | 16.7% | 6.53% | vs |
| Pontiac Dwight Prison Employs Credit UnionCredit union Pontiac, IL | 81 out of 100, Strong | $8.3M | 10.8% | 0.00% | vs |
| Kankakee Federation of Teachers Credit UnionCredit union Kankakee, IL | 56 out of 100, Moderate | $10.6M | 12.6% | 4.04% | vs |
Deposit insurance
Is my money safe at Chicago Area Office Federal Credit Union?
Yes. Chicago Area Office Federal Credit Union is a federally insured credit union (NCUA charter #5045). 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 5.8% of shares and deposits ($431K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 20.49%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Chicago Area Office Federal Credit Union lists 1 office in 1 city. Most locations:
- Chicago, IL (1)
Identity & history
Profile
- Legal name
- Chicago Area Office Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 5045
- RSSD ID
- 164872
- Primary regulator
- NCUA
- Established
- 1943
- Headquarters
- 600 W Madison St, Chicago, IL 60661
- Employees
- 3
Quick answers
Chicago Area Office Federal Credit Union: common questions
Is Chicago Area Office Federal Credit Union NCUA insured?
Yes. Chicago Area Office Federal Credit Union is a federally insured credit union (NCUA charter #5045). 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 Chicago Area Office Federal Credit Union's TellerScore?
53 out of 100 (Below average), 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 Chicago Area Office Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Chicago
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pilgrim Baptist Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $263K | 25.8% | 0.00% | vs |
| M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $418K | 18.5% | — | vs |
| Israel Methcomm Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $2.0M | 15.5% | 0.00% | vs |
| Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL | 100 out of 100, Very strong | $10.0M | 19.4% | 0.00% | vs |
| Western Springs Federal Credit UnionCredit union Western Springs, IL | 95 out of 100, Very strong | $3.9M | 18.2% | 0.46% | vs |
| St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $383K | 15.0% | 0.00% | vs |