BlastPoint's Credit Union Scorecard
CHATTANOOGA FIRST
Charter #14725 · TN
CHATTANOOGA FIRST has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + AMR Growth Rate: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.89% above tier average
- - Member decline: -24.5% YoY
- - Member Growth Rate: Bottom 1.4% in tier
- - Share Certificate Concentration (%): Bottom 3.3% in tier
- - Indirect Auto Concentration (%): Bottom 5.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,492
-24.5% YoY-4.5% QoQ
|
-1.2K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
41% |
| Assets |
$26.0M
-1.5% YoY-0.3% QoQ
|
$-4.1M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
55% |
| Loans |
$13.4M
-10.2% YoY-5.9% QoQ
|
$-1.9M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
59% |
| Deposits |
$20.2M
-1.7% YoY-0.2% QoQ
|
$-5.6M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
52% |
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| ROA |
0.4%
-12.9% YoY+264.3% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
39% |
| NIM |
3.2%
+3.5% YoY+2.9% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
26% |
| Efficiency Ratio |
88.3%
+1.2% YoY-1.4% QoQ
|
-2.3% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
66% |
| Delinquency Rate |
2.4%
+93.5% YoY+17.0% QoQ
|
+0.9 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
85% |
| Loan To Share |
66.2%
-8.6% YoY-5.7% QoQ
|
+7.7% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
61% |
| AMR |
$22,490
+25.4% YoY+2.1% QoQ
|
+$8K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
Top 13.8% in tier |
| CD Concentration |
50.9%
+1.8% YoY+0.6% QoQ
|
+26.7% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % |
18.5%
-16.1% YoY-9.0% QoQ
|
+4.7% | 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)