Cta-74th Street Depot

Chicago, IL · 1 · Charter #2498 · www.74thstdfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$8.8M
38th percentile
Members
777
28th percentile
Total loans
$3.1M
32th percentile
Total shares
$7.4M
39th percentile

Profitability

Return on assets
0.04%
17th percentile
Net interest margin
3.73%
41th percentile
Efficiency ratio
79.99%
23th percentile
Non-interest income ratio
4.52%
32th percentile

Capital & Risk

Net worth ratio
16.41%
59th percentile
Delinquency rate
5.50%
6th percentile
Net charge-off rate
6.35%
1th percentile
Loan-to-share
42.07%
24th percentile

Growth

Member growth YoY
7.17%
95th percentile
Asset growth YoY
-4.05%
20th percentile
Loan growth YoY
-15.32%
11th percentile
Share growth YoY
-4.51%
22th percentile

Operations

Members / branch
389
18th percentile
Assets / member
$11,352
67th percentile
Field of membership penetration
26.31%
40th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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