BlastPoint's Credit Union Scorecard
BASF CHATTANOOGA
Charter #12826 · TN
BASF CHATTANOOGA has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.24% 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 0.64% below tier average
- - Delinquency rate 11.19% above tier average
- - Member decline: -15.4% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Loan Growth Rate: Bottom 1.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.8% in tier
- - Member Growth Rate: Bottom 2.3% in tier
- - Net Charge-Off Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
411
-15.4% YoY-2.8% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Bottom 11.3% in tier |
| Assets |
$3.4M
+5.8% YoY+1.8% QoQ
|
$-26.7M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.1% in tier |
| Loans |
$1.4M
-37.5% YoY-11.2% QoQ
|
$-14.4M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.6% in tier |
| Deposits |
$2.8M
+9.4% YoY+2.7% QoQ
|
$-22.9M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.6% in tier |
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| ROA |
-0.0%
-101.4% YoY-53.3% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
4.2%
-16.5% YoY-4.6% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
78.8%
+31.4% YoY-2.1% QoQ
|
-3.7% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
12.7%
-21.6% YoY+23.0% QoQ
|
+11.2 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Top 1.8% in tier |
| Loan To Share |
49.3%
-42.9% YoY-13.6% QoQ
|
-11.4% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$10,044
+3.7% YoY+0.5% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration |
32.9%
+16.6% YoY+5.5% QoQ
|
+8.5% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 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)