Federal credit union · CHATTANOOGA, Tennessee · NCUA charter #690
Chattanooga Area Schools
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $191.6M
- Total assets
- 12,383
- Members
- 12.1%
- Net-worth ratio
Chattanooga Area Schools scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $191.6M; members 12,383; net-worth ratio 12.10%; health rank #2,863 of 4,374; healthier than 33rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,863 of 4,374 health · 2025Q4Chattanooga Area Schools · health 79/100 · $191.6M · 2025Q4
Call Report peers
Chattanooga Area Schools in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Chattanooga Area Schools vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Chattanooga Area Schools sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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 Chattanooga Area Schools
- Delinquency Rate leads the peer set - 0.38% here, 0.89% peer average (-0.51 pp).
- Largest lag: Loan-to-Share Ratio at 52.99% vs peer 72.20% (-19.21 pp).
Chattanooga Area Schools: in-state Call Report ranks
- In Tennessee, health place is #81 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, Chattanooga Area Schools is #28 of 127 in Tennessee.
- Tennessee membership ordinal: #30 of 127.
- One place up in Tennessee, P.I.A.S. (#80) ties at 79/100; one place down, VERITAS (#82) ties at 79/100.
Chattanooga Area Schools Call Report trajectory
Chattanooga Area Schools: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $191.6M (2025Q4) to $195.6M (2026Q1).
- Net-worth ratio shifted -0.17 pp (12.27% → 12.10%).
At 12.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Chattanooga Area Schools gives up 21 points in total. Return on Assets costs the most, 12.1 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 2.9 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 10.8 pts
Chattanooga Area Schools health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.10% | -0.01 pp |
| Delinquency Rate | 0.38% | -0.51 pp |
| Return on Assets | -0.17% | -0.80 pp |
| Member Growth | 1.05% | - |
| Loan-to-Share Ratio | 52.99% | -19.21 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Chattanooga Area Schools filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $195.6M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, Chattanooga Area Schools runs 2 offices.
| Office | City |
|---|---|
| CASFCU (Main Office) | Chattanooga, TN |
| CASFCU | Chattanooga, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Cross-state Call Report peers for Chattanooga Area Schools
Using this data
- Chattanooga Area Schools ranks #2,863 of 4,374 nationally on financial health and #81 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Employee Resources is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Employee Resources
Frequently Asked Questions
Is Chattanooga Area Schools financially healthy?
Chattanooga Area Schools has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,863 of 4,374 nationally on health and #81 of 127 in Tennessee. Its net worth ratio is 12.10% and its delinquency rate 0.38%.
How does Chattanooga Area Schools compare to other credit unions?
Chattanooga Area Schools scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.38% vs 0.89%). Its widest shortfall is loan-to-share ratio (52.99% vs 72.20%).
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?
Chattanooga Area Schools 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. Chattanooga Area Schools's net worth ratio of 12.10% 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.