Federal credit union · CHATTANOOGA, Tennessee · NCUA charter #690
Chattanooga Area Schools
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $191.6M
- Total assets
- 12,383
- Members
- 6.9%
- Net-worth ratio
Chattanooga Area Schools - Share Insurance Coverage
Charter #690's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Chattanooga Area Schools - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)71
- Asset quality (delinquency)100
- Earnings (ROA)20
- Member growth68
- Liquidity (loan-to-share)74
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 6.86%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.86% | 30% |
| Delinquency Rate | 0.38% | 25% |
| Return on Assets | -0.17% | 15% |
| Member Growth | 1.05% | 15% |
| Loan-to-Share Ratio | 52.99% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $191.6M | 12,383 |
| 2024Q4 | $184.7M | 12,254 |
| 2023Q4 | $178.4M | 12,006 |
Credit Union Details
- Charter Number
- 690
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- CHATTANOOGA
- Data Quarter
- 2025Q4
What This Data Says About Chattanooga Area Schools
The five-factor composite scores Chattanooga Area Schools at 71/100 (Very Good), reflecting a net worth ratio of 6.86% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in CHATTANOOGA, Tennessee, reports 12,383 members, $191.6M in total assets, and $88.7M in outstanding loans as of Q4 2025 under charter #690 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
Deposits deployed into lending sit at a 52.99% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.38% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at -0.17% on net income of $-331989 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.05%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Single Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Chattanooga Area Schools financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Chattanooga Area Schools carries a financial health score of 71/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 6.86% net worth ratio and a 0.38% delinquency rate.
How does Chattanooga Area Schools compare to other credit unions?
71/100 is Chattanooga Area Schools's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Chattanooga Area Schools?
Chattanooga Area Schools is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Chattanooga Area Schools directly to confirm eligibility.
Is my money safe at Chattanooga Area Schools?
Federal credit unions like Chattanooga Area Schools 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. Chattanooga Area Schools's net worth ratio of 6.86% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Chattanooga Area Schools offer compared to banks?
Credit unions like Chattanooga Area Schools 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 Chattanooga Area Schools directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.