Credit Union Safety Analysis
Is Chattanooga Area School Federal Credit Union Safe? Chattanooga, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Chattanooga Area School Federal Credit Union has a net worth ratio of 12.01%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.28%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Chattanooga Area School Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Chattanooga Area School Federal Credit Union's net worth ratio is 12.01%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.01%
- Delinquency ratio (60+ days) (Q2 2026): 0.28%
- Return on assets (Q2 2026): 0.48%
- Loan-to-share ratio (Q2 2026): 49.37%
Chattanooga Area School Federal Credit Union (NCUA charter 690, established 1935) reported $199.2M in assets and 12,302 members for Q2 2026 from Chattanooga, Tennessee. It ranks 28 of 123 credit unions in Tennessee by total assets. Total assets grew 5.6% from $188.6M on June 30, 2025. It has 17 fewer members than on June 30, 2025 (-0.1%). Its net worth ratio was down 0.32 percentage points from 12.33% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $38.6M of $86.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.28% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.10% for Q1 2026; 12.33% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.24% for Q1 2026; 0.29% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.35% for Q1 2026; 0.34% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 50.40% for Q1 2026; 51.82% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $38.6M
- Used vehicle loans: $27.9M
- New vehicle loans: $10.9M
- Other unsecured loans and lines of credit: $4.7M
- Other secured non-real estate loans and lines of credit: $3.2M
- Commercial loans: $763K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $199.2M | 12.01% | 0.28% | 0.48% | 49.37% |
| March 31, 2026 | $195.6M | 12.10% | 0.24% | 0.35% | 50.40% |
| December 31, 2025 | $191.6M | 12.27% | 0.38% | 0.16% | 52.99% |
| September 30, 2025 | $189.3M | 12.38% | 0.28% | 0.37% | 53.69% |
| June 30, 2025 | $188.6M | 12.33% | 0.29% | 0.34% | 51.82% |
| March 31, 2025 | $186.7M | 12.37% | 0.26% | 0.40% | 50.57% |
Add this badge to your website
Free to use. It shows Chattanooga Area School Federal Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Chattanooga Area School Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 690) · FFIEC NIC profile (RSSD 798174)
Frequently asked questions
Is Chattanooga Area School Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Chattanooga Area School Federal Credit Union's net worth ratio is 12.01%, above the 7% NCUA threshold for well capitalized.
Is Chattanooga Area School Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Chattanooga Area School Federal Credit Union is a federally insured credit union (NCUA charter 690): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Chattanooga Area School Federal Credit Union's key safety ratios?
For Q2 2026, Chattanooga Area School Federal Credit Union reports net worth 12.01%, delinquency 0.28%, ROA 0.48%, loan-to-share 49.37%.
What happens to my money if Chattanooga Area School Federal Credit Union fails?
For Q2 2026, Chattanooga Area School Federal Credit Union held $174.5M in shares and deposits for 12,302 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.