BlastPoint's Credit Union Scorecard
BASF CHATTANOOGA
Charter #12826 · 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 |
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| 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
|
70% |
| 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
|
56% |
| 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
|
44% |
| 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
|
29% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)