BASF CHATTANOOGA

Charter #12826 | TN

<100M (2596 CUs) Micro
88 <100M in TN

BASF CHATTANOOGA has 3 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.46% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.73% below tier average
  • - Delinquency rate 8.86% above tier average
  • - Member decline: -8.8% YoY
  • - Loan Growth Rate: Bottom 1.9% in tier
  • - Total Delinquency Rate (60+ days): Bottom 2.3% in tier
  • - Member Growth Rate: Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Members 423
-8.8% YoY-0.5% QoQ
 -2.2K 2,625
-2.2% YoY
 21,139
+4.9% YoY
 33,089
+6.1% YoY
 Bottom 11.7% in tier
Assets $3.4M
+4.2% YoY+1.6% QoQ
 $-26.5M $29.9M
+1.1% YoY
 $362.5M
+9.5% YoY
 $547.7M
+7.8% YoY
 Bottom 14.2% in tier
Loans $1.5M
-36.2% YoY-11.9% QoQ
 $-14.2M $15.8M
-2.4% YoY
 $271.1M
+9.1% YoY
 $388.7M
+8.6% YoY
 Bottom 15.0% in tier
Deposits $2.7M
+6.2% YoY+1.9% QoQ
 $-22.8M $25.5M
+0.4% YoY
 $303.0M
+8.7% YoY
 $464.6M
+9.3% YoY
 Bottom 14.4% in tier
ROA -0.1%
-102.6% YoY-89.4% QoQ
 -0.7% 0.7%
-731.4% YoY
 0.8%
+4.1% YoY
 0.7%
+273.4% YoY
 Bottom 14.9% in tier
NIM 4.4%
-20.7% YoY-4.4% QoQ
 +0.5% 3.9%
+3.8% YoY
 3.8%
+5.1% YoY
 3.7%
+5.0% YoY
 70th in tier
Efficiency Ratio 80.6%
+41.1% YoY-7.7% QoQ
 -0.8% 81.4%
-2.4% YoY
 75.4%
-1.8% YoY
 79.1%
-3.3% YoY
 56th in tier
Delinquency Rate 10.4%
+49.2% YoY+7.3% QoQ
 +8.9 1.5%
-2.0% YoY
 1.1%
+8.5% YoY
 1.2%
-0.9% YoY
 Top 2.3% in tier
Loan To Share 57.0%
-39.9% YoY-13.5% QoQ
 -4.2% 61.2%
-3.0% YoY
 70.4%
-2.4% YoY
 68.0%
-1.7% YoY
 44th in tier
AMR $9,992
-6.2% YoY-3.2% QoQ
 $-5K $14,627
-2.7% YoY
 $18,470
+2.4% YoY
 $19,418
+1.3% YoY
 29th in tier
CD Concentration 31.2%
+10.1% YoY-5.7% QoQ
 +6.8% 24.4%
+4.2% YoY
 22.3%
+6.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 6.9%
+1.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 2596 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
497
Deposit Growth Rate
growth
Value: 6.17%
Peer Avg: 16.80%
#497 of 2596 Top 19.1% in <100M tier
588
Net Worth Ratio
risk
Value: 19.86%
Peer Avg: 16.43%
#588 of 2596 Top 22.6% in <100M tier

Top Weaknesses (12 metrics)

2548
Loan Growth Rate
growth
Value: -36.21%
Peer Avg: 59.01%
#2548 of 2596 Bottom 1.9% in <100M tier
2537
Total Delinquency Rate (60+ days)
risk
Value: 10.37%
Peer Avg: 1.51%
#2537 of 2596 Bottom 2.3% in <100M tier
2410
Member Growth Rate
growth
Value: -8.84%
Peer Avg: 14.92%
#2410 of 2596 Bottom 7.2% in <100M tier
2289
Total Members
engagement
Value: 423
Peer Avg: 2,626
#2289 of 2596 Bottom 11.9% in <100M tier
2278
Net Charge-Off Rate
risk
Value: 1.12%
Peer Avg: 0.57%
#2278 of 2596 Bottom 12.3% in <100M tier
2227
AMR Growth Rate
growth
Value: -6.17%
Peer Avg: 4.67%
#2227 of 2596 Bottom 14.3% in <100M tier
2227
Total Assets
balance_sheet
Value: $3.38M
Peer Avg: $29.86M
#2227 of 2596 Bottom 14.3% in <100M tier
2223
Total Deposits
balance_sheet
Value: $2.69M
Peer Avg: $25.45M
#2223 of 2596 Bottom 14.4% in <100M tier
2209
Return on Assets (ROA)
profitability
Value: -0.05%
Peer Avg: 0.68%
#2209 of 2596 Bottom 14.9% in <100M tier
2206
Total Loans
balance_sheet
Value: $1.53M
Peer Avg: $15.77M
#2206 of 2596 Bottom 15.1% in <100M tier