CTA-74TH STREET DEPOT
Charter #2498 · Chicago, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.56% sits at the 13th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 5.80% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.92% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 112.95% sits at the 85th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 70th percentile but its structural peers at the 30th — a 41-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CTA-74TH STREET DEPOT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.45M | 89th pct | 56th pct |
| Members | 807 | 70th pct | 30th pct |
| Net worth ratio | 16.99% | 48th pct | 56th pct |
| Return on average assets | -0.56% | 22th pct | 13th pct |
| Net interest margin | 3.43% | 31th pct | 36th pct |
| Cost of funds | 1.03% | 67th pct | 70th pct |
| Loan-to-share | 41.98% | 31th pct | 36th pct |
| Delinquency 60+ days | 5.80% | 89th pct | 95th pct |
| Net charge-off ratio | 1.92% | 91th pct | 85th pct |
| Loan growth YoY | -10.39% | 26th pct | 23th pct |
| Share growth YoY | -6.78% | 12th pct | 2th pct |
| Efficiency ratio | 112.95% | 84th pct | 85th pct |
structural peer set hash: 7842f80afcc7b7fa635a6dffca77cb1d… (reproducible)
Closest structural peers
This is the free public view
Claim CTA-74TH STREET DEPOT
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.