Federal credit union · CHATTANOOGA, Tennessee · NCUA charter #14725
Chattanooga First
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $26.1M
- Total assets
- 1,563
- Members
- 22.0%
- Net-worth ratio
Chattanooga First scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $26.1M; members 1,563; net-worth ratio 21.97%; health rank #3,515 of 4,374; healthier than 18th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,515 of 4,374 health · 2025Q4Chattanooga First · health 71/100 · $26.1M · 2025Q4
- CHARTER 71/100
- NCUSIF 22.0%
- CAMELS 2.05%
- HEALTH 0.43%
- NW $26.1M
- DELQ 1,563
- ROA #3,515/4,374
- ASSETS Va Pittsburgh Employees
- MEM 14725
Call Report peers
Chattanooga First in the assets neighbourhood
Chattanooga First's $26.1M assets sit next to Va Pittsburgh Employees ($26.1M) 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 First 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
71 18th percentile higher than 18% 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 First - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #14725. See our deposit-insurance coverage note.
Peer-gap read for Chattanooga First
- Largest favorable gap: Loan-to-Share Ratio at 70.26% vs peer 59.80% (+10.46 pp).
- Largest lag: Delinquency Rate at 2.05% vs peer 1.15% (+0.90 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Chattanooga First in Tennessee
- Tennessee health ordinal: #108 of 127.
- By total assets, Chattanooga First is #86 of 127 in Tennessee.
- Member book place in Tennessee: #100 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 First: 2025Q4 → 2026Q1
Chattanooga First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $26.1M (2025Q4) to $26.0M (2026Q1).
- Net-worth ratio shifted +0.16 pp (21.81% → 21.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 21.97% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.2 pts
- Return on Assets 13.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for Chattanooga First
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.97% | +7.11 pp |
| Delinquency Rate | 2.05% | +0.90 pp |
| Return on Assets | 0.43% | -0.28 pp |
| Member Growth | -26.27% | - |
| Loan-to-Share Ratio | 70.26% | +10.46 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Chattanooga First
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $26.0M | - |
| 2025Q4 | $26.1M | 1,563 |
| 2024Q4 | $26.2M | 2,120 |
| 2023Q4 | $25.0M | 2,107 |
Credit Union Details
- Charter Number
- 14725
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- CHATTANOOGA
- Data Quarter
- 2025Q4
Branch Locations (3)
Chattanooga First operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Chattanooga First FCU (Main Office) | Chattanooga, TN |
| Chattanooga Area Schools FCU | Chattanooga, TN |
| Fiserv OnCU | Flint, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
Cross-state Call Report peers for Chattanooga First
Chattanooga First's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($26.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- Chattanooga First ranks #3,515 of 4,374 nationally on financial health and #108 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kennedy Va Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kennedy Va Employees
- 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 First financially healthy?
A 21.97% net worth ratio and a 2.05% delinquency rate feed into Chattanooga First's financial health score of 71/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,515 of 4,374; by total assets it ranks #2,961 of 4,374 nationally (same basis as /rankings/largest); and #86 of 127 within Tennessee. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Chattanooga First compare to other credit unions?
Five weighted metrics from NCUA filings produce Chattanooga First's 71/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 First?
Chattanooga First operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Chattanooga First directly for the exact boundaries and application steps.
Is my money safe at Chattanooga First?
Federal credit unions like Chattanooga First 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 First's net worth ratio of 21.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Chattanooga First offer compared to banks?
Credit unions like Chattanooga First 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 First 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.