BlastPoint's Credit Union Scorecard
BASF CHATTANOOGA
Charter #12826 · TN
BASF CHATTANOOGA has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 15.58% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Delinquency rate 11.26% above tier average
- - Member decline: -11.9% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Fee Income Per Member: Bottom 0.3% in tier
- - Loan Growth Rate: Bottom 1.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.6% in tier
- - Member Growth Rate: Bottom 4.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
407
-11.9% YoY-1.0% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
Bottom 11.2% in tier |
| Assets |
$3.5M
+3.6% YoY+1.6% QoQ
|
$-26.7M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.4% in tier |
| Loans |
$1.0M
-46.8% YoY-23.3% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.7% in tier |
| Deposits |
$2.8M
+5.3% YoY+2.5% QoQ
|
$-22.9M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.9% in tier |
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| ROA |
-0.4%
-63.1% YoY
|
-0.6% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.6% in tier |
| NIM |
19.6%
+310.4% YoY+366.8% QoQ
|
+15.6% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
Top 0.1% in tier |
| Efficiency Ratio |
83.5%
-18.3% YoY+5.9% QoQ
|
-7.1% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
55% |
| Delinquency Rate |
12.8%
-11.0% YoY+0.2% QoQ
|
+11.3 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.6% in tier |
| Loan To Share |
36.8%
-49.5% YoY-25.2% QoQ
|
-21.7% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
18% |
| AMR |
$9,530
-5.4% YoY-5.1% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration |
32.6%
+1.5% YoY-0.9% QoQ
|
+8.3% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.8% | 7.7% | 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)