Federal credit union · CHATTANOOGA, Tennessee · NCUA charter #606
COMTRUST
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $421.5M
- Total assets
- 17,785
- Members
- 11.3%
- Net-worth ratio
COMTRUST scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $421.5M; members 17,785; net-worth ratio 11.30%; health rank #3,595 of 4,374; healthier than 17th of scored peers.
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NCUA 5300 Call Report Masthead
#3,595 of 4,374 health · 2025Q4COMTRUST · health 70/100 · $421.5M · 2025Q4
Call Report peers
COMTRUST in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
COMTRUST vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); COMTRUST sits in 70-74 with 317 others.
70 17th percentile higher than 17% 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
COMTRUST vs $100M–$500M peers
- Largest favorable gap: Delinquency Rate at 0.13% vs peer 0.89% (-0.76 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -46.30 pp (25.90% vs 72.20%).
COMTRUST in Tennessee
- Tennessee health ordinal: #110 of 127.
- By total assets, COMTRUST is #18 of 127 in Tennessee.
- Member book place in Tennessee: #27 of 127.
- One place up in Tennessee, I B E W 175 (#109) scores 71/100, 1 point higher; one place down, APPLIANCE (#111) ties at 70/100.
Quarter path for COMTRUST
COMTRUST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $421.5M (2025Q4) to $429.5M (2026Q1).
- Net-worth ratio shifted +0.07 pp (11.23% → 11.30%).
At 11.30%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 70/100 score is built
COMTRUST gives up 30 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 7.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.0 pts
COMTRUST health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.30% | -0.81 pp |
| Delinquency Rate | 0.13% | -0.76 pp |
| Return on Assets | 0.06% | -0.57 pp |
| Member Growth | -5.54% | - |
| Loan-to-Share Ratio | 25.90% | -46.30 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
COMTRUST filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $429.5M | - |
| 2025Q4 | $421.5M | 17,785 |
| 2024Q4 | $408.6M | 18,829 |
| 2023Q4 | $401.7M | 19,852 |
Credit Union Details
- Charter Number
- 606
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- CHATTANOOGA
- Data Quarter
- 2025Q4
Branch Locations (6)
COMTRUST operates 6 offices across 5 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Chattanooga, TN |
| Chatsworth | Chatsworth, GA |
| Hamilton Place | Chattanooga, TN |
| Ft. Oglethorpe | Ft Oglethorpe, GA |
| Towne Center North | Hixson, TN |
| Windsor | Windsor, CT |
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 COMTRUST
Using this data
- COMTRUST ranks #3,595 of 4,374 nationally on financial health and #110 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Alcoa Tenn is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Alcoa Tenn
Frequently Asked Questions
Is COMTRUST financially healthy?
COMTRUST has a financial health score of 70/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,595 of 4,374 nationally on health and #110 of 127 in Tennessee. Its net worth ratio is 11.30% and its delinquency rate 0.13%.
How does COMTRUST compare to other credit unions?
COMTRUST scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.13% vs 0.89%). Its widest shortfall is loan-to-share ratio (25.90% vs 72.20%).
How can I join COMTRUST?
COMTRUST 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 COMTRUST directly for the exact boundaries and application steps.
Is my money safe at COMTRUST?
COMTRUST is a federal 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. COMTRUST's net worth ratio of 11.30% 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.