State credit union · Chattanooga, Tennessee · NCUA charter #62537
Chattanooga Federal Employees
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $73.6M
- Total assets
- 2,836
- Members
- 13.6%
- Net-worth ratio
Chattanooga Federal Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62537: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Chattanooga Federal Employees - 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)100
- Asset quality (delinquency)75
- Earnings (ROA)100
- Member growth53
- Liquidity (loan-to-share)94
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.64% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.64% | 30% |
| Delinquency Rate | 1.16% | 25% |
| Return on Assets | 0.69% | 15% |
| Member Growth | -0.60% | 15% |
| Loan-to-Share Ratio | 66.33% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $73.6M | 2,836 |
| 2024Q4 | $71.2M | 2,853 |
| 2023Q4 | $65.7M | 2,812 |
Credit Union Details
- Charter Number
- 62537
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Tennessee
- City
- Chattanooga
- Data Quarter
- 2025Q4
What This Data Says About Chattanooga Federal Employees
The five-factor composite scores Chattanooga Federal Employees at 86/100 (Excellent), reflecting a net worth ratio of 13.64% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Chattanooga, Tennessee, reports 2,836 members, $73.6M in total assets, and $40.4M in outstanding loans as of Q4 2025 under charter #62537 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
On loan book quality: 1.16% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Meanwhile a 66.33% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.69% on net income of $509K 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 -0.60%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
- CLEVELAND-BRADLEY CTY TEACHERCLEVELAND, TN · $50M–$100M86Health
- COPPER BASINCopperhill, TN · $50M–$100M95Health
- ENBRIGHTNashville, TN · $50M–$100M70Health
- MIDDLE TENNESSEECOOKEVILLE, TN · $50M–$100M87Health
- NASHVILLE POST OFFICENASHVILLE, TN · $50M–$100M77Health
Compare Chattanooga Federal Employees vs CLEVELAND-BRADLEY CTY TEACHER
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 Federal Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Chattanooga Federal Employees carries a financial health score of 86/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.64% net worth ratio and a 1.16% delinquency rate.
How does Chattanooga Federal Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Chattanooga Federal Employees's 86/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Chattanooga Federal Employees?
Membership eligibility for Chattanooga Federal Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Chattanooga Federal Employees directly for current membership requirements and application steps.
Is my money safe at Chattanooga Federal Employees?
Federal credit unions like Chattanooga Federal Employees 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 Federal Employees's net worth ratio of 13.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Chattanooga Federal Employees offer compared to banks?
Credit unions like Chattanooga Federal Employees 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 Federal Employees 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.