TellerScore

Headquartered in Chattanooga, Tennessee, Chattanooga First Federal Credit Union is a federal credit union with $25.5M in total assets and $19.7M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1961.

Chattanooga First Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 94th. Capital cushion contributes the most (100/100, 22.44%); loan quality contributes the least (26/100, 2.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 22.44%
Loan quality26/100
Loans 60+ days delinquent ÷ total loans: 2.22%
Earnings28/100
Return on assets (annualized): 0.21%
Funding & liquidity93/100
Loans ÷ shares: 67.5% · 0.0% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.98%

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

From Q2 2025 to Q2 2026, the score fell 3 points (68 → 65), mostly because the loan quality component weakened by 11 points.

TellerScore
607079Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202460
Q4 202479
Q1 202574
Q2 202568
Q3 202566
Q4 202565
Q1 202665
Q2 202665
Net worth ratio
7.00%14.72%22.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202421.99%
Q3 202422.10%
Q4 202421.81%
Q1 202521.70%
Q2 202521.68%
Q3 202522.04%
Q4 202521.81%
Q1 202621.97%
Q2 202622.44%
Delinquent loans (60+ days)
0.65%1.72%2.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.14%
Q3 20242.80%
Q4 20240.65%
Q1 20251.24%
Q2 20251.90%
Q3 20252.13%
Q4 20252.05%
Q1 20262.39%
Q2 20262.22%
Return on assets
0.11%0.30%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 20240.49%
Q4 20240.43%
Q1 20250.45%
Q2 20250.37%
Q3 20250.30%
Q4 20250.11%
Q1 20260.39%
Q2 20260.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$25.5M22.44%2.22%0.21%67.5%
Q1 202665$26.0M21.97%2.39%0.39%66.2%
Q4 202565$26.1M21.81%2.05%0.11%70.3%
Q3 202566$26.1M22.04%2.13%0.30%71.6%
Q2 202568$26.5M21.68%1.90%0.37%72.5%
Q1 202574$26.4M21.70%1.24%0.45%72.5%
Q4 202479$26.2M21.81%0.65%0.43%76.6%
Q3 202460$25.9M22.10%2.80%0.49%80.7%
Q2 202474$25.9M21.99%1.14%0.41%81.8%

2,479 peers · Under $100 million in assets

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 ratio22.44%
84th
Problem loans2.22%
18th
Net charge-offs0.51%
26th
Return on assets0.21%
28th
Loans to deposits67.5%
37th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio7.0%
21st

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Healthcare Services Credit UnionCredit union Chattanooga, TN87 out of 100, Very strong$26.1M15.0%0.03%vs
Kennedy VA Employees Federal Credit UnionCredit union Memphis, TN85 out of 100, Very strong$24.4M16.3%0.52%vs
Hiwassee River Credit UnionCredit union Charleston, TN74 out of 100, Strong$27.5M10.9%0.15%vs
Maryville Municipal Credit UnionCredit union Maryville, TN89 out of 100, Very strong$23.2M16.8%0.45%vs
Beacon Financial Credit UnionCredit union Johnson City, TN44 out of 100, Below average$27.9M7.7%1.39%vs
Tennessee Employees Credit UnionCredit union Nashville, TN81 out of 100, Strong$31.0M20.1%0.92%vs

Deposit insurance

Is my money safe at Chattanooga First Federal Credit Union?

Yes. Chattanooga First Federal Credit Union is a federally insured credit union (NCUA charter #14725). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 22.44%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Chattanooga First Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Chattanooga First Federal Credit Union
Type
Federal credit union
NCUA charter #
14725
RSSD ID
976785
Primary regulator
NCUA
Established
1961
Headquarters
3120 Broad Street, Chattanooga, TN 37408
Employees
5

Quick answers

Chattanooga First Federal Credit Union: common questions

Is Chattanooga First Federal Credit Union NCUA insured?

Yes. Chattanooga First Federal Credit Union is a federally insured credit union (NCUA charter #14725). 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 First Federal Credit Union's TellerScore?

65 out of 100 (Moderate), 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 First Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Chattanooga

InstitutionScoreAssetsCapitalProblem loansCompare
First Jackson Bank, Inc.Bank Stevenson, AL93 out of 100, Very strong$444.3M14.8%0.08%vs
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