CHATTANOOGA FIRST
Charter #14725 · CHATTANOOGA, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,492 sits at the 15th percentile of structural peers — worth a closer look.
- Net worth ratio of 21.97% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.39% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 3.24% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.01% sits at the 90th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CHATTANOOGA FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $26.04M | 52th pct | 46th pct |
| Members | 1,492 | 24th pct | 15th pct |
| Net worth ratio | 21.97% | 90th pct | 82th pct |
| Return on average assets | 0.39% | 35th pct | 18th pct |
| Net interest margin | 3.24% | 24th pct | 10th pct |
| Cost of funds | 2.01% | 90th pct | 90th pct |
| Loan-to-share | 66.24% | 64th pct | 51th pct |
| Delinquency 60+ days | 2.39% | 89th pct | 87th pct |
| Net charge-off ratio | 0.36% | 65th pct | 67th pct |
| Loan growth YoY | -7.75% | 14th pct | 13th pct |
| Share growth YoY | -0.23% | 25th pct | 28th pct |
| Efficiency ratio | 88.31% | 70th pct | 84th pct |
structural peer set hash: 23d57cb12875b0fe252ae130d2a36d3f… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.