Chattanooga Area Schools
Chattanooga, TN · Charter 690 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$199.2MAssets
$86.1MLoans
$174.5MShares
$23.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 74% of credit unions under $1B in assets (rank 440 of 1682).
- Widest gap: net interest margin trails 99% of credit unions under $1B in assets (rank 1666 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.41%
Rank 1,216 of 1,683
Net Interest Margin
1.80%
Rank 1,666 of 1,683
Efficiency Ratio
75.12%
Rank 681 of 1,682
Equity / Assets
12.01%
Rank 996 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.41% | 0.35% | 0.74% | 1.18% | Beats 28% | 1,216 / 1,683 | |
| Return on Equity | 3.44% | 2.67% | 5.89% | 8.74% | Beats 31% | 1,158 / 1,681 | |
| Net Interest Margin | 1.80% | 3.31% | 3.82% | 4.32% | Beats 1% | 1,666 / 1,683 | |
| Efficiency Ratio | 75.12% | 68.91% | 78.20% | 86.93% | Beats 60% | 681 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.26% | 0.65% | 1.29% | Beats 74% | 440 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.01% | 10.44% | 12.89% | 16.53% | Beats 41% | 996 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.01% | 10.44% | 12.89% | 16.53% | Beats 41% | 996 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 49.37% | 52.61% | 69.38% | 83.50% | 21st pctl | 1,333 / 1,683 | |
| Loans / Assets | 43.24% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,288 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |