BlastPoint's Credit Union Scorecard
CHATTANOOGA AREA SCHOOLS
Charter #690 · TN
CHATTANOOGA AREA SCHOOLS has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 0.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency ratio 0.55% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 0.5% in tier
- - Fee Income Per Member: Bottom 0.7% in tier
- - Share Certificate Concentration (%): Bottom 2.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,339
+0.4% YoY-0.4% QoQ
|
-2.8K |
15,145
-2.5% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$195.6M
+4.8% YoY+2.1% QoQ
|
$-36.1M |
$231.7M
+0.8% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$86.3M
+5.1% YoY-2.7% QoQ
|
$-57.8M |
$144.1M
+0.2% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
27% |
| Deposits |
$171.3M
+5.4% YoY+2.3% QoQ
|
$-29.8M |
$201.1M
+0.4% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
50% |
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| ROA |
0.3%
-13.6% YoY+9.9% QoQ
|
-0.4% |
0.7%
+5.1% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
1.7%
+0.7% YoY-0.9% QoQ
|
-2.0% |
3.6%
+4.6% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.4% in tier |
| Efficiency Ratio |
78.6%
+3.5% YoY+0.2% QoQ
|
+0.5% |
78.0%
-1.7% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
50% |
| Delinquency Rate |
0.2%
-5.0% YoY-36.7% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
18% |
| Loan To Share |
50.4%
-0.3% YoY-4.9% QoQ
|
-20.0% |
70.4%
-0.4% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
Bottom 12.5% in tier |
| AMR |
$20,879
+4.9% YoY+0.9% QoQ
|
$-4K |
$24,918
+2.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
38% |
| CD Concentration |
47.2%
+17.9% YoY+4.9% QoQ
|
+23.0% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)