77th Street Depot

Chicago, IL · 1 · Charter #2505 · www.77thstreetdepotfcu.org
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
$18.3M
60th percentile
Members
4,536
96th percentile
Total loans
$6.0M
49th percentile
Total shares
$13.5M
56th percentile

Profitability

Return on assets
0.74%
47th percentile
Net interest margin
4.54%
70th percentile
Efficiency ratio
82.65%
20th percentile
Non-interest income ratio
17.75%
78th percentile

Capital & Risk

Net worth ratio
25.94%
88th percentile
Delinquency rate
2.23%
22th percentile
Net charge-off rate
2.63%
4th percentile
Loan-to-share
44.87%
28th percentile

Growth

Member growth YoY
5.34%
94th percentile
Asset growth YoY
-7.11%
10th percentile
Loan growth YoY
0.36%
64th percentile
Share growth YoY
-9.17%
9th percentile

Operations

Members / branch
4,536
98th percentile
Assets / member
$4,033
11th percentile
Field of membership penetration
60.48%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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