BlastPoint's Credit Union Scorecard
CHATTANOOGA FIRST
Charter #14725 · TN
CHATTANOOGA FIRST has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Efficiency ratio 5.72% above tier (higher cost structure)
- - Delinquency rate 0.62% above tier average
- - Member decline: -18.6% YoY
- - Member Growth Rate: Bottom 1.9% in tier
- - Share Certificate Concentration (%): Bottom 3.4% in tier
- - Indirect Auto Concentration (%): Bottom 5.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,728
-18.6% YoY+0.5% QoQ
|
-897 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
45% |
| Assets |
$26.1M
+0.9% YoY-1.5% QoQ
|
$-3.7M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
56% |
| Loans |
$14.5M
-10.5% YoY-3.0% QoQ
|
$-1.3M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
60% |
| Deposits |
$20.2M
+0.9% YoY-1.9% QoQ
|
$-5.2M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
53% |
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| ROA |
0.3%
-40.2% YoY-20.4% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
27% |
| NIM |
3.1%
+0.5% YoY+0.2% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
22% |
| Efficiency Ratio |
87.1%
+4.2% YoY+1.3% QoQ
|
+5.7% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
71% |
| Delinquency Rate |
2.1%
-23.9% YoY+12.2% QoQ
|
+0.6 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
81% |
| Loan To Share |
71.6%
-11.3% YoY-1.1% QoQ
|
+10.4% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
65% |
| AMR |
$20,096
+17.7% YoY-2.9% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
80% |
| CD Concentration |
49.7%
-2.1% YoY-1.4% QoQ
|
+25.3% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
21.2%
-6.3% YoY+1.0% QoQ
|
+7.2% |
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)