CHATTANOOGA AREA SCHOOLS
Charter #690 | TN
100M-500M
(1077 CUs)
Micro
($0-$500M)
25 100M-500M in TN
CHATTANOOGA AREA SCHOOLS has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 20.8% in tier
- + Organic Growth Leader: Top 22.5% in tier
- + Wallet Share Momentum: Top 23.8% in tier
- + Organic Growth Engine: Top 28.0% in tier
- + Relationship Depth Leader: Top 34.6% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.3% in tier
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 9.6% in tier
- - Credit Quality Pressure: Bottom 13.3% in tier
- - Liquidity Overhang: Bottom 19.0% in tier
- - ROA 0.42% below tier average
- - Efficiency ratio 0.91% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 0.3% in tier
- - Net Interest Margin (NIM): Bottom 1.0% in tier
- - Share Certificate Concentration (%): Bottom 4.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,412
+1.6% YoY+0.8% QoQ
|
-3.2K |
15,628
-3.4% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
44th in tier |
| Assets |
$189.3M
+3.4% YoY+0.4% QoQ
|
$-42.0M |
$231.3M
-0.0% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
48th in tier |
| Loans |
$88.4M
+7.8% YoY+3.9% QoQ
|
$-59.4M |
$147.8M
-1.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
27th in tier |
| Deposits |
$164.7M
+3.6% YoY+0.3% QoQ
|
$-35.6M |
$200.3M
-0.0% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
47th in tier |
| ROA |
0.4%
-261.3% YoY-0.3% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 22.9% in tier |
| NIM |
1.7%
+56.5% YoY+1.3% QoQ
|
-1.9% |
3.6%
+6.9% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.9% in tier |
| Efficiency Ratio |
78.2%
-35.4% YoY+0.5% QoQ
|
+0.9% |
77.3%
-3.0% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
55th in tier |
| Delinquency Rate |
0.3%
+451.2% YoY-3.8% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 16.6% in tier |
| Loan To Share |
53.7%
+4.0% YoY+3.6% QoQ
|
-19.0% |
72.7%
-1.5% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.5% in tier |
| AMR |
$20,390
+3.4% YoY+0.8% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
38th in tier |
| CD Concentration |
43.4%
+11.2% YoY+2.7% QoQ
|
+19.0% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Emerging Performer
growth
#390 of 627 • Top 20.8% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.37%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
1.58%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
New qualifier
Organic Growth Leader
growth
#298 of 430 • Top 22.5% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
1.58%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#657 of 1006 • Top 23.8% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
3.38%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Organic Growth Engine
growth
#513 of 603 • Top 28.0% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
1.58%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.37%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#953 of 1006 • Top 34.6% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
3.38%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$0.00
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (3)
Growth-at-Risk
risk
#145 of 446 • Bottom 9.6% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
7.75%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.23% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#331 of 736 • Bottom 13.3% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.23% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#294 of 552 • Bottom 19.0% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
12.38%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
53.69%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank worsening
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
4
Members Per Employee (MPE)
engagement
Value:
954.769
Peer Avg: 332.881
#4 of 1077
Top 0.3% in 100M-500M tier
134
Net Charge-Off Rate
risk
Value:
0.08%
Peer Avg: 0.47%
#134 of 1077
Top 12.3% in 100M-500M tier
180
Total Delinquency Rate (60+ days)
risk
Value:
0.28%
Peer Avg: 0.86%
#180 of 1077
Top 16.6% in 100M-500M tier
254
Loan Growth Rate
growth
Value:
7.75%
Peer Avg: 3.45%
#254 of 1077
Top 23.5% in 100M-500M tier
Top Weaknesses (6 metrics)
1075
Fee Income Per Member
profitability
Value:
$3.58
Peer Avg: $174.31
#1075 of 1077
Bottom 0.3% in 100M-500M tier
1067
Net Interest Margin (NIM)
profitability
Value:
1.67%
Peer Avg: 3.58%
#1067 of 1077
Bottom 1.0% in 100M-500M tier
1035
Share Certificate Concentration (%)
balance_sheet
Value:
43.36%
Peer Avg: 23.61%
#1035 of 1077
Bottom 4.0% in 100M-500M tier
932
Loan-to-Share Ratio
balance_sheet
Value:
53.69%
Peer Avg: 72.70%
#932 of 1077
Bottom 13.6% in 100M-500M tier
830
Return on Assets (ROA)
profitability
Value:
0.37%
Peer Avg: 0.79%
#830 of 1077
Bottom 23.0% in 100M-500M tier
816
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,123
Peer Avg: $10,245
#816 of 1077
Bottom 24.3% in 100M-500M tier