Basf Chattanooga
Chattanooga, TN · Charter 12826 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 2 branches
Q1 2026
$3.5MAssets
$1.0MLoans
$2.8MShares
$670KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 100% of credit unions under $1B in assets (rank 2 of 1676).
- Widest gap: nonperforming loans / loans trails 99% of credit unions under $1B in assets (rank 1666 of 1675).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.46%
Rank 1,537 of 1,677
Net Interest Margin
19.65%
Rank 2 of 1,676
Efficiency Ratio
82.94%
Rank 1,043 of 1,674
Equity / Assets
19.14%
Rank 256 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.46% | 0.29% | 0.71% | 1.15% | Beats 8% | 1,537 / 1,677 | | |
| Return on Equity | -2.39% | 2.30% | 5.46% | 8.75% | Beats 10% | 1,511 / 1,674 | | |
| Net Interest Margin | 19.65% | 3.27% | 3.78% | 4.29% | Beats 100% | 2 / 1,676 | | |
| Efficiency Ratio | 82.94% | 69.04% | 78.86% | 87.73% | Beats 38% | 1,043 / 1,674 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 12.74% | 0.23% | 0.59% | 1.15% | Beats 1% | 1,666 / 1,675 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.12% | 10.32% | 12.68% | 16.26% | Beats 85% | 258 / 1,677 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.14% | 10.32% | 12.68% | 16.26% | Beats 85% | 256 / 1,676 | | |
| Liquidity & Funding |
| Loans / Deposits | 36.84% | 52.64% | 68.65% | 82.42% | 9th pctl | 1,530 / 1,676 | | |
| Loans / Assets | 29.82% | 44.39% | 58.63% | 70.08% | 8th pctl | 1,549 / 1,676 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |