Federal credit union · CHATTANOOGA, Tennessee · NCUA charter #12826
Basf Chattanooga
Health score 55/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $3.4M
- Total assets
- 411
- Members
- 19.1%
- Net-worth ratio
Basf Chattanooga scores 55/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.4M; members 411; net-worth ratio 19.12%; health rank #4,176 of 4,374; healthier than 4th of scored peers.
NCUA Call Report stamp band
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Basf Chattanooga vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Basf Chattanooga sits in 55-59 with 115 others.
55 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Basf Chattanooga
- Strongest edge vs 566 $2M–$10M peers is Return on Assets: +1.18 pp (1.64% vs 0.45%).
- Largest lag: Loan-to-Share Ratio at 49.25% vs peer 63.60% (-14.35 pp).
Where Basf Chattanooga sits in Tennessee
- Health composite ranks #122 of 127 among scored Tennessee credit unions.
- Tennessee assets place: #117 of 127.
- Tennessee membership ordinal: #119 of 127.
- One place up in Tennessee, Epb Employees (#121) scores 56/100, 1 point higher; one place down, Smart Choice (#123) scores 53/100, 2 points lower.
Basf Chattanooga: 2025Q4 → 2026Q1
Basf Chattanooga: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $3.4M (2025Q4) to $3.5M (2026Q1).
- Net-worth ratio shifted -0.40 pp (19.52% → 19.12%).
19.12% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 55/100 score is built
Basf Chattanooga gives up 45 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
Basf Chattanooga vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.12% | +0.06 pp |
| Delinquency Rate | 12.75% | +10.94 pp |
| Return on Assets | 1.64% | +1.18 pp |
| Member Growth | -15.43% | - |
| Loan-to-Share Ratio | 49.25% | -14.35 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.5M | - |
| 2025Q4 | $3.4M | 411 |
| 2024Q4 | $3.3M | 486 |
| 2023Q4 | $3.1M | 463 |
Credit Union Details
- Charter Number
- 12826
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Tennessee
- City
- CHATTANOOGA
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Basf Chattanooga.
| Office | City |
|---|---|
| BASF Federal CU (Main Office) | Chattanooga, TN |
| Basf FCU | Chattanooga, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Basf Chattanooga nationwide neighbourhoods
Similar health score
Using this data
- Basf Chattanooga ranks #4,176 of 4,374 nationally on financial health and #122 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tva Mid-South is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tva Mid-South
Frequently Asked Questions
Is Basf Chattanooga financially healthy?
On its 2025Q4 NCUA 5300 filing, Basf Chattanooga scores 55/100 (Fair), with a 19.12% net worth ratio and 12.75% of loans delinquent. It ranks #4,176 of 4,374 nationally on health and #122 of 127 in Tennessee.
How does Basf Chattanooga compare to other credit unions?
Basf Chattanooga scores 55/100, higher than 4% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is return on assets (1.64% vs 0.45%). Its widest shortfall is loan-to-share ratio (49.25% vs 63.60%).
How can I join Basf Chattanooga?
Basf Chattanooga operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Basf Chattanooga directly for the exact boundaries and application steps.
Is my money safe at Basf Chattanooga?
Basf Chattanooga is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Basf Chattanooga's net worth ratio of 19.12% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.