PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Chattanooga Area Schools

Chattanooga, TN · Charter 690

NCUA · 2 branches

Q2 2026

$199.2MAssets
$86.1MLoans
$174.5MShares
$23.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.41%, up 4 bps year over year; NIM at 1.80%.
  • Asset quality: problem loans at 0.28% of loans (-1 bps YoY).
  • Capital: net worth / assets of 12.01%, down 32 bps from a year ago.
  • Funding: loans stand at 49.37% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.41%+4 bps YoY

Net Interest Margin (quarter, annualized)

1.80%+16 bps YoY

Efficiency Ratio (quarter, annualized)

75.14%-269 bps YoY

Net Worth / Assets

12.01%-32 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.23%-0.18%0.40%0.37%0.37%0.31%0.35%0.41%+4 bps
Return on Equity-1.83%-1.45%3.23%3.00%2.99%2.56%2.87%3.43%+44 bps
Net Interest Margin1.07%1.16%1.63%1.64%1.67%1.66%1.66%1.80%+16 bps
Efficiency Ratio121.08%113.29%75.93%77.83%78.19%78.44%78.57%75.14%-269 bps
Growth
Asset Growth (YoY)3.67%3.56%3.30%3.31%3.44%3.72%4.81%5.61%+230 bps
Loan Growth (YoY)0.96%1.19%2.68%4.67%7.75%8.36%5.05%1.24%-342 bps
Share Growth (YoY)4.45%4.18%3.76%3.61%3.61%4.19%5.41%6.26%+264 bps
Asset Quality
Delinquent Loans / Loans0.05%0.27%0.26%0.29%0.28%0.38%0.24%0.28%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.52%12.40%12.37%12.33%12.38%12.27%12.10%12.01%-32 bps
Net Worth / Assets12.52%12.40%12.37%12.33%12.38%12.27%12.10%12.01%-32 bps
Liquidity & Funding
Loans / Shares51.62%50.95%50.57%51.82%53.69%52.99%50.40%49.37%-244 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps