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
- NW 86/100
- DELQ 16.9%
- ROA 1.16%
- ASSETS 0.69%
- MEM $73.6M
- RANK 2,836
- PHOTO #1,761/4,374
- BOOK PEOPLES
- CHARTER 62537
Call Report peers
Chattanooga Federal Employees in the assets neighbourhood
Chattanooga Federal Employees's $73.6M assets sit next to PEOPLES ($73.5M) 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 Federal Employees 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
86 Top 43% higher than 57% 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 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 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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Chattanooga Federal Employees's 5300 filing moved
Chattanooga Federal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $73.6M (2025Q4) to $75.0M (2026Q1).
- Net-worth ratio shifted -0.20 pp (17.14% → 16.94%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for Chattanooga Federal Employees, 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 ($73.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #1,761 of 4,374; by total assets it ranks #2,092 of 4,374 nationally (same basis as /rankings/largest); and #53 of 127 within Tennessee. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.94% 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 16.94% 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.
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.