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
- HEALTH 79/100
- NW 12.1%
- DELQ 0.38%
- ROA -0.17%
- ASSETS $191.6M
- MEM 12,383
- RANK #2,863/4,374
- PHOTO COLORAMO
- BOOK 690
Call Report peers
Chattanooga Area Schools in the assets neighbourhood
Chattanooga Area Schools's $191.6M assets sit next to COLORAMO ($191.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
79 33rd percentile higher than 33% 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
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.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Chattanooga Area Schools Call Report trajectory
Chattanooga Area Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $191.6M (2025Q4) to $195.6M (2026Q1).
- Net-worth ratio shifted -0.17 pp (12.27% → 12.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for Chattanooga Area Schools, both outside Tennessee so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($191.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
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
- 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 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 79/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,863 of 4,374; by total assets it ranks #1,296 of 4,374 nationally (same basis as /rankings/largest); and #28 of 127 within Tennessee. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.10% net worth ratio and a 0.38% delinquency rate.
How does Chattanooga Area Schools compare to other credit unions?
79/100 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 12.10% exceeds 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.
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.