CHATTANOOGA FEDERAL EMPLOYEES
Charter #62537 · Chattanooga, TN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,843 sits at the 8th percentile of structural peers — worth a closer look.
- Net worth ratio of 16.94% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.80% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 2.59% sits at the 97th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 38th — a 18-point gap showing why the peer definition matters.
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 FEDERAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $74.99M | 57th pct | 48th pct |
| Members | 2,843 | 8th pct | 8th pct |
| Net worth ratio | 16.94% | 81th pct | 85th pct |
| Return on average assets | 0.52% | 40th pct | 31th pct |
| Net interest margin | 2.80% | 11th pct | 5th pct |
| Cost of funds | 2.59% | 97th pct | 97th pct |
| Loan-to-share | 64.83% | 56th pct | 38th pct |
| Delinquency 60+ days | 1.03% | 73th pct | 72th pct |
| Net charge-off ratio | 0.34% | 59th pct | 64th pct |
| Loan growth YoY | 1.94% | 79th pct | 67th pct |
| Share growth YoY | 3.29% | 55th pct | 56th pct |
| Efficiency ratio | 76.12% | 39th pct | 44th pct |
structural peer set hash: 89775bb8ec63cb2e51aaa8f9d7466d7a… (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.