Chattanooga First Federal Credit Union
Total assets
$26.0M
▼ -1.5% YoY
Shares & deposits
$20.2M
▼ -1.7% YoY
Loans
$13.4M
▼ -10.2% YoY
Members
1,492
▼ -24.5% YoY
ROA (annualized)
0.39%
peers 0.60%
ROE (annualized)
1.78%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.8 pts |
| Share growth (YoY) | -1.7% | +0.7% | -2.4 pts |
| Loan growth (YoY) | -10.2% | -2.4% | -7.8 pts |
| ROA | 0.39% | 0.60% | -0.2 pts |
| ROE | 1.8% | 4.1% | -2.3 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
Profile
- Established
- 1961
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 3120 Broad Street, Chattanooga, TN, 37408
- NCUA charter #
- 14725
- RSSD ID
- 976785
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $26.0M | $20.2M | $13.4M | $5.7M | $25K | 0.39% | 3.25% | 2.39% | 1,492 |
| Q4 2025 | $26.1M | $20.2M | $14.2M | $5.7M | $28K | 0.11% | 3.16% | 2.05% | 1,563 |
| Q3 2025 | $26.1M | $20.2M | $14.5M | $5.8M | $58K | 0.30% | 3.16% | 2.13% | 1,728 |
| Q2 2025 | $26.5M | $20.6M | $14.9M | $5.8M | $49K | 0.37% | 3.13% | 1.90% | 1,719 |
| Q1 2025 | $26.4M | $20.5M | $14.9M | $5.7M | $29K | 0.45% | 3.12% | 1.24% | 1,976 |
| Q4 2024 | $26.2M | $20.3M | $15.6M | $5.7M | $111K | 0.43% | 3.12% | 0.65% | 2,120 |
| Q3 2024 | $25.9M | $20.1M | $16.2M | $5.7M | $95K | 0.49% | 3.12% | 2.80% | 2,124 |
| Q2 2024 | $25.9M | $20.0M | $16.4M | $5.7M | $53K | 0.41% | 3.04% | 1.14% | 2,113 |
Loan mix (Q1 2026): real estate $5.9M · commercial $0 · consumer $6.9M · securities $10.2M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.60% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.1% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.83% | 26th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.3% | 81.5% | 66th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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