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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,595 of 4,374 health · 2025Q4COMTRUST · health 70/100 · $421.5M · 2025Q4
- BOOK 70/100
- CHARTER 11.3%
- NCUSIF 0.13%
- CAMELS 0.06%
- HEALTH $421.5M
- NW 17,785
- DELQ #3,595/4,374
- ROA Members Choice
- ASSETS 606
Call Report peers
COMTRUST in the assets neighbourhood
COMTRUST's $421.5M assets sit next to Members Choice ($422.1M) 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.
COMTRUST 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
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #606 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for COMTRUST
COMTRUST: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $421.5M (2025Q4) to $429.5M (2026Q1).
- Net-worth ratio shifted +0.07 pp (11.23% → 11.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for COMTRUST - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($421.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
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
- 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 COMTRUST financially healthy?
COMTRUST has a financial health score of 70/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,595 of 4,374; by total assets it ranks #831 of 4,374 nationally (same basis as /rankings/largest); and #18 of 127 within Tennessee. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.30% and delinquency rate of 0.13%.
How does COMTRUST compare to other credit unions?
70/100 is COMTRUST's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like COMTRUST 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. COMTRUST's net worth ratio of 11.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does COMTRUST offer compared to banks?
Credit unions like COMTRUST 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 COMTRUST 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.