BlastPoint's Credit Union Scorecard
CHATTANOOGA FEDERAL EMPLOYEES
Charter #62537 · TN
CHATTANOOGA FEDERAL EMPLOYEES has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Average Member Relationship (AMR): Top 1.8% in tier
- + Loan-to-Member Ratio (LMR): Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 5.5% in tier
- - First Mortgage Concentration (%): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,836
-0.6% YoY-1.3% QoQ
|
+220 |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$73.6M
+3.2% YoY+0.9% QoQ
|
+$43.4M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 10.7% in tier |
| Loans |
$40.4M
+0.3% YoY+2.1% QoQ
|
+$24.6M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 10.1% in tier |
| Deposits |
$60.9M
+3.0% YoY+1.1% QoQ
|
+$35.2M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 11.8% in tier |
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| ROA |
0.7%
+2.6% YoY-5.7% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
2.8%
+5.3% YoY+0.3% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.7% in tier |
| Efficiency Ratio |
69.7%
-1.6% YoY-1.2% QoQ
|
-12.9% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
27% |
| Delinquency Rate |
1.2%
+62.4% YoY-1.4% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
66.3%
-2.6% YoY+1.0% QoQ
|
+5.7% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$35,718
+2.6% YoY+2.8% QoQ
|
+$21K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Top 1.8% in tier |
| CD Concentration |
44.2%
+6.6% YoY+1.2% QoQ
|
+19.7% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
2.0%
+217.8% YoY+11.8% QoQ
|
-11.8% | 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)