Chattanooga First

CHATTANOOGA, TN · 1 · Charter #14725 · www.chattfirst.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$26.1M
72th percentile
Members
1,563
54th percentile
Total loans
$14.2M
77th percentile
Total shares
$20.2M
69th percentile

Profitability

Return on assets
0.36%
30th percentile
Net interest margin
3.16%
23th percentile
Efficiency ratio
57.02%
72th percentile
Non-interest income ratio
5.66%
36th percentile

Capital & Risk

Net worth ratio
21.81%
80th percentile
Delinquency rate
2.05%
24th percentile
Net charge-off rate
0.57%
29th percentile
Loan-to-share
70.26%
64th percentile

Growth

Member growth YoY
-26.27%
1th percentile
Asset growth YoY
-0.17%
40th percentile
Loan growth YoY
-8.60%
28th percentile
Share growth YoY
-0.31%
45th percentile

Operations

Members / branch
1,563
66th percentile
Assets / member
$16,707
90th percentile
Field of membership penetration
0.41%
2th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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