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 1.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Efficiency ratio 7.03% above tier (higher cost structure)
- - Delinquency rate 0.49% above tier average
- - Member decline: -26.3% YoY
- - Member Growth Rate: Bottom 1.4% in tier
- - Share Certificate Concentration (%): Bottom 3.4% in tier
- - Indirect Auto Concentration (%): Bottom 5.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,563
-26.3% YoY-9.5% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$26.1M
-0.2% YoY-0.1% QoQ
|
$-4.0M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$14.2M
-8.6% YoY-1.9% QoQ
|
$-1.5M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$20.2M
-0.3% YoY-0.0% QoQ
|
$-5.5M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
0.1%
-74.9% YoY-63.6% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
3.2%
+0.5% YoY+0.5% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
23% |
| Efficiency Ratio |
89.6%
+6.0% YoY+2.8% QoQ
|
+7.0% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
2.0%
+214.1% YoY-4.0% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
70.3%
-8.3% YoY-1.9% QoQ
|
+9.6% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$22,037
+30.3% YoY+9.7% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Top 14.5% in tier |
| CD Concentration |
50.6%
+2.7% YoY+1.8% QoQ
|
+26.2% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
20.4%
-10.5% YoY-4.1% QoQ
|
+6.6% | 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)