TellerScore

Cta-74th Street Depot Federal Credit Union (NCUA charter #2498) is based in Chicago, Illinois. Its Q2 2026 call report shows $8.6M in total assets and $7.1M in member shares and deposits and 2 offices.

Cta-74th Street Depot Federal Credit Union has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 12% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 178th. Capital cushion contributes the most (100/100, 16.69%); loan quality contributes the least (0/100, 6.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.69%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 6.53%
Earnings3/100
Return on assets (annualized): -0.43%
Funding & liquidity100/100
Loans ÷ shares: 38.9% · 0.0% uninsured
Problem-loan coverage75/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 12.66%

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 (59 → 53), mostly because the earnings component weakened by 25 points.

TellerScore
536475Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202466
Q4 202475
Q1 202559
Q2 202559
Q3 202556
Q4 202557
Q1 202653
Q2 202653
Net worth ratio
7.00%11.99%16.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.36%
Q3 202415.54%
Q4 202415.71%
Q1 202515.87%
Q2 202515.97%
Q3 202516.09%
Q4 202516.41%
Q1 202616.99%
Q2 202616.69%
Delinquent loans (60+ days)
0.55%4.49%8.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.51%
Q3 20242.24%
Q4 20240.55%
Q1 20253.88%
Q2 20254.45%
Q3 20258.44%
Q4 20255.50%
Q1 20265.80%
Q2 20266.53%
Return on assets
-1.09%-0.40%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.29%
Q3 20240.20%
Q4 2024-1.09%
Q1 20250.21%
Q2 20250.21%
Q3 20250.16%
Q4 20250.04%
Q1 2026-0.58%
Q2 2026-0.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$8.6M16.69%6.53%-0.43%38.9%
Q1 202653$8.4M16.99%5.80%-0.58%42.0%
Q4 202557$8.8M16.41%5.50%0.04%42.1%
Q3 202556$9.0M16.09%8.44%0.16%43.7%
Q2 202559$9.1M15.97%4.45%0.21%45.9%
Q1 202559$9.1M15.87%3.88%0.21%49.5%
Q4 202475$9.2M15.71%0.55%-1.09%47.4%
Q3 202466$9.3M15.54%2.24%0.20%47.0%
Q2 202473$9.4M15.36%1.51%0.29%48.6%

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 ratio16.69%
64th
Problem loans6.53%
4th
Net charge-offs4.16%
2nd
Return on assets-0.43%
12th
Loans to deposits38.9%
80th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio12.7%
9th

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Deposit insurance

Is my money safe at Cta-74th Street Depot Federal Credit Union?

Yes. Cta-74th Street Depot Federal Credit Union is a federally insured credit union (NCUA charter #2498). 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 16.69%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Cta-74th Street Depot Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Cta-74th Street Depot Federal Credit Union
Type
Federal credit union
NCUA charter #
2498
RSSD ID
758075
Primary regulator
NCUA
Established
1939
Headquarters
10057 S Western Ave, Chicago, IL 60643
Employees
5

Quick answers

Cta-74th Street Depot Federal Credit Union: common questions

Is Cta-74th Street Depot Federal Credit Union NCUA insured?

Yes. Cta-74th Street Depot Federal Credit Union is a federally insured credit union (NCUA charter #2498). 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 Cta-74th Street Depot 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 Cta-74th Street Depot Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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