State credit union · Chattanooga, Tennessee · NCUA charter #62537
Chattanooga Federal Employees
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $73.6M
- Total assets
- 2,836
- Members
- 16.9%
- Net-worth ratio
Chattanooga Federal Employees scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $73.6M; members 2,836; net-worth ratio 16.94%; health rank #1,761 of 4,374; healthier than 57th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,761 of 4,374 health · 2025Q4Chattanooga Federal · health 86/100 · $73.6M · 2025Q4
Call Report peers
Chattanooga Federal Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Chattanooga Federal Employees vs every NCUA-scored credit union
Chattanooga Federal Employees sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Chattanooga Federal Employees vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +3.73 pp (66.33% vs 62.60%).
- Largest lag: Delinquency Rate at 1.16% vs peer 0.96% (+0.19 pp).
Chattanooga Federal Employees in Tennessee
- Tennessee health ordinal: #58 of 127.
- By total assets, Chattanooga Federal Employees is #53 of 127 in Tennessee.
- Membership ranks #76 of 127 among Tennessee CUs with a reported count (2,836 members).
- One place up in Tennessee, Tennessee Employees (#57) ties at 86/100; one place down, Maryville Municipal (#59) ties at 86/100.
How Chattanooga Federal Employees's 5300 filing moved
Chattanooga Federal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $73.6M (2025Q4) to $75.0M (2026Q1).
- Net-worth ratio shifted -0.20 pp (17.14% → 16.94%).
16.94% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Chattanooga Federal Employees gives up 14 points in total. Member Growth costs the most, 7.1 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.8 pts
- Return on Assets 15.0 pts
- Member Growth 7.9 pts
- Loan-to-Share Ratio 14.3 pts
Chattanooga Federal health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.94% | +3.32 pp |
| Delinquency Rate | 1.16% | +0.19 pp |
| Return on Assets | 0.69% | +0.03 pp |
| Member Growth | -0.60% | - |
| Loan-to-Share Ratio | 66.33% | +3.73 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Chattanooga Federal filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $75.0M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Chattanooga Federal Employees runs one office.
| Office | City |
|---|---|
| Chattanooga Federal Employees Credit Union (Main Office) | 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.
- CLEVELAND-BRADLEY CTY TEACHERCLEVELAND, TN · $50M–$100M87Health
- COPPER BASINCopperhill, TN · $50M–$100M95Health
- ENBRIGHTNashville, TN · $50M–$100M77Health
- MIDDLE TENNESSEECOOKEVILLE, TN · $50M–$100M87Health
- NASHVILLE POST OFFICENASHVILLE, TN · $50M–$100M77Health
Compare Chattanooga Federal Employees vs CLEVELAND-BRADLEY CTY TEACHER
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Chattanooga Federal Employees ranks #1,761 of 4,374 nationally on financial health and #58 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cleveland-Bradley Cty Teacher is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cleveland-Bradley Cty Teacher
Frequently Asked Questions
Is Chattanooga Federal Employees financially healthy?
Chattanooga Federal Employees has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,761 of 4,374 nationally on health and #58 of 127 in Tennessee. Its net worth ratio is 16.94% and its delinquency rate 1.16%.
How does Chattanooga Federal Employees compare to other credit unions?
Chattanooga Federal Employees scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (66.33% vs 62.60%). Its widest shortfall is delinquency rate (1.16% vs 0.96%).
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?
Chattanooga Federal Employees is a state-chartered 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 Federal Employees's net worth ratio of 16.94% 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.