TellerScore

Chicago Avenue Garage Federal Credit Union (NCUA charter #2495) is based in Chicago, Illinois. Its Q2 2026 call report shows $4.4M in total assets and $1.8M in member shares and deposits and 3 offices across 2 states.

Based on its Q2 2026 filing, Chicago Avenue Garage Federal Credit Union scores 59/100, which we describe as moderate. That is higher than only 20% of 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 163rd. Its strongest component is capital cushion (100/100; 56.85%), and its lowest is loan quality (0/100; 18.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 56.85%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 18.59%
Earnings25/100
Return on assets (annualized): 0.13%
Funding & liquidity100/100
Loans ÷ shares: 43.2% · 0.0% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.74%

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 6 points (65 → 59), mostly because the earnings component weakened by 32 points.

TellerScore
596367Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202464
Q4 202462
Q1 202562
Q2 202565
Q3 202566
Q4 202567
Q1 202660
Q2 202659
Net worth ratio
7.00%32.12%57.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202451.42%
Q3 202451.50%
Q4 202452.49%
Q1 202551.63%
Q2 202552.01%
Q3 202556.75%
Q4 202557.24%
Q1 202656.50%
Q2 202656.85%
Delinquent loans (60+ days)
9.05%15.00%20.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20249.05%
Q3 202411.95%
Q4 202410.20%
Q1 202512.37%
Q2 202520.94%
Q3 202518.03%
Q4 202517.53%
Q1 202616.95%
Q2 202618.59%
Return on assets
0.13%0.65%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.77%
Q3 20240.66%
Q4 20240.42%
Q1 20250.41%
Q2 20250.92%
Q3 20250.95%
Q4 20251.16%
Q1 20260.21%
Q2 20260.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$4.4M56.85%18.59%0.13%43.2%
Q1 202660$4.4M56.50%16.95%0.21%44.9%
Q4 202567$4.3M57.24%17.53%1.16%44.9%
Q3 202566$4.3M56.75%18.03%0.95%38.6%
Q2 202565$4.7M52.01%20.94%0.92%31.8%
Q1 202562$4.7M51.63%12.37%0.41%32.5%
Q4 202462$4.6M52.49%10.20%0.42%35.2%
Q3 202464$4.7M51.50%11.95%0.66%30.5%
Q2 202465$4.7M51.42%9.05%0.77%30.2%

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 ratio56.85%
99th
Problem loans18.59%
1st
Net charge-offs5.84%
1st
Return on assets0.13%
24th
Loans to deposits43.2%
74th
Uninsured deposits0.0%
81st
Loan-loss reserves8.83%
98th
Texas ratio5.7%
25th

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InstitutionScoreAssetsCapitalProblem loansCompare
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Peoria Fire Fighters Credit UnionCredit union Peoria, IL87 out of 100, Very strong$4.6M28.2%0.00%vs
Oak Lawn Municipal Employees Credit UnionCredit union Oak Lawn, IL87 out of 100, Very strong$4.8M13.7%0.00%vs
Western Springs Federal Credit UnionCredit union Western Springs, IL95 out of 100, Very strong$3.9M18.2%0.46%vs
Urbana Municipal Employees Credit UnionCredit union Urbana, IL66 out of 100, Moderate$4.9M15.3%3.18%vs

Deposit insurance

Is my money safe at Chicago Avenue Garage Federal Credit Union?

Yes. Chicago Avenue Garage Federal Credit Union is a federally insured credit union (NCUA charter #2495). 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 56.85%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Chicago Avenue Garage Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Chicago Avenue Garage Federal Credit Union
Type
Federal credit union
NCUA charter #
2495
RSSD ID
883771
Primary regulator
NCUA
Established
1937
Headquarters
4909 W Division Street, Suite 403, Chicago, IL 60651
Employees
3

Quick answers

Chicago Avenue Garage Federal Credit Union: common questions

Is Chicago Avenue Garage Federal Credit Union NCUA insured?

Yes. Chicago Avenue Garage Federal Credit Union is a federally insured credit union (NCUA charter #2495). 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 Avenue Garage Federal Credit Union's TellerScore?

59 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 Chicago Avenue Garage Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

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