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
NCUA 5300 Call Report Masthead
#4,176 of 4,374 health · 2025Q4Basf Chattanooga · health 55/100 · $3.4M · 2025Q4
- CAMELS 55/100
- HEALTH 19.1%
- NW 12.75%
- DELQ 1.64%
- ROA $3.4M
- ASSETS 411
- MEM #4,176/4,374
- RANK n/a
- PHOTO 12826
Basf Chattanooga carries $3.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Basf Chattanooga vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
55 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Basf Chattanooga - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #12826, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Basf Chattanooga: 2025Q4 → 2026Q1
Basf Chattanooga: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $3.4M (2025Q4) to $3.5M (2026Q1).
- Net-worth ratio shifted -0.40 pp (19.52% → 19.12%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 55.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for Basf Chattanooga, both outside Tennessee so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (55/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Basf Chattanooga financially healthy?
Basf Chattanooga scores 55/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,176 of 4,374; by total assets it ranks #4,014 of 4,374 nationally (same basis as /rankings/largest); and #117 of 127 within Tennessee. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 19.12% net worth ratio and a 12.75% delinquency rate.
How does Basf Chattanooga compare to other credit unions?
PlainCU's health composite puts Basf Chattanooga at 55/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Basf Chattanooga are 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."
What rates does Basf Chattanooga offer compared to banks?
Credit unions like Basf Chattanooga are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Basf Chattanooga directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.