TellerScore

Chattanooga Area Schools Federal Credit Union is a federal credit union headquartered in Chattanooga, Tennessee, in business for about 91 years. At the end of Q2 2026 it reported $199.2M in total assets and $174.5M in member shares and deposits, with 2 offices.

Chattanooga Area Schools Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 56th. Funding & liquidity contributes the most (100/100, 49% loans-to-deposits, 15% uninsured); earnings contributes the least (36/100, 0.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Net worth ratio: 12.01%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.28%
Earnings36/100
Return on assets (annualized): 0.41%
Funding & liquidity100/100
Loans ÷ shares: 49.4% · 15.3% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 76).

TellerScore
727577Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202472
Q1 202577
Q2 202576
Q3 202577
Q4 202575
Q1 202676
Q2 202676
Net worth ratio
7.00%9.79%12.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.58%
Q3 202412.52%
Q4 202412.40%
Q1 202512.37%
Q2 202512.33%
Q3 202512.38%
Q4 202512.27%
Q1 202612.10%
Q2 202612.01%
Delinquent loans (60+ days)
0.05%0.22%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.15%
Q3 20240.05%
Q4 20240.27%
Q1 20250.26%
Q2 20250.29%
Q3 20250.28%
Q4 20250.38%
Q1 20260.24%
Q2 20260.28%
Return on assets
-0.29%0.06%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.29%
Q3 2024-0.23%
Q4 2024-0.18%
Q1 20250.40%
Q2 20250.37%
Q3 20250.37%
Q4 20250.31%
Q1 20260.35%
Q2 20260.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$199.2M12.01%0.28%0.41%49.4%
Q1 202676$195.6M12.10%0.24%0.35%50.4%
Q4 202575$191.6M12.27%0.38%0.31%53.0%
Q3 202577$189.3M12.38%0.28%0.37%53.7%
Q2 202576$188.6M12.33%0.29%0.37%51.8%
Q1 202577$186.7M12.37%0.26%0.40%50.6%
Q4 202472$184.7M12.40%0.27%-0.18%50.9%
Q3 202474$183.1M12.52%0.05%-0.23%51.6%
Q2 202473$182.6M12.58%0.15%-0.29%51.3%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.01%
58th
Problem loans0.28%
84th
Net charge-offs0.16%
75th
Return on assets0.41%
24th
Loans to deposits49.4%
91st
Uninsured deposits15.3%
5th
Loan-loss reserves0.00%
50th
Texas ratio1.0%
89th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Northeast Community Credit UnionCredit union Elizabethton, TN78 out of 100, Strong$194.2M16.8%1.64%vs
Employee Resources Credit UnionCredit union Lawrenceburg, TN62 out of 100, Moderate$185.5M9.5%0.58%vs
Appalachian Community Federal Credit UnionCredit union Kingsport, TN70 out of 100, Strong$182.8M11.0%0.26%vs
Johnsonville TVA Employees Credit UnionCredit union Camden, TN92 out of 100, Very strong$180.7M16.4%0.73%vs
Scenic Community Credit UnionCredit union Hixson, TN47 out of 100, Below average$163.8M9.4%1.46%vs
Southern Security Federal Credit UnionCredit union Collierville, TN51 out of 100, Below average$251.9M10.1%1.72%vs

Deposit insurance

Is my money safe at Chattanooga Area Schools Federal Credit Union?

Yes. Chattanooga Area Schools Federal Credit Union is a federally insured credit union (NCUA charter #690). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 15.3% of shares and deposits ($26.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.01%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Chattanooga Area Schools Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Chattanooga Area Schools Federal Credit Union reported 56 home-loan applications under HMDA (LEI 549300SP39BCL43JUN40): 42 originated ($8,730,000 total), 2 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Chattanooga Area Schools Federal Credit Union
Type
Federal credit union
NCUA charter #
690
RSSD ID
798174
Primary regulator
NCUA
Established
1935
Headquarters
Po Box 3529, Chattanooga, TN 37404
Employees
14

Quick answers

Chattanooga Area Schools Federal Credit Union: common questions

Is Chattanooga Area Schools Federal Credit Union NCUA insured?

Yes. Chattanooga Area Schools Federal Credit Union is a federally insured credit union (NCUA charter #690). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Chattanooga Area Schools Federal Credit Union's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Chattanooga Area Schools Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Chattanooga

InstitutionScoreAssetsCapitalProblem loansCompare
Bcbst Employees Credit UnionCredit union Chattanooga, TN90 out of 100, Very strong$8.3M25.6%0.11%vs
Healthcare Services Credit UnionCredit union Chattanooga, TN87 out of 100, Very strong$26.1M15.0%0.03%vs
Walker County Educators Federal Credit UnionCredit union Chickamauga, GA87 out of 100, Very strong$15.1M24.8%0.03%vs
Chattanooga Federal Employees Credit UnionCredit union Chattanooga, TN85 out of 100, Very strong$76.0M16.9%0.39%vs
Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN84 out of 100, Strong$3.3B14.8%0.77%vs
First National Community BankBank Chatsworth, GA84 out of 100, Strong$754.7M12.9%0.43%vs