CHATTANOOGA AREA SCHOOLS
Charter #690 · CHATTANOOGA, TN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.35% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 1.67% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 2.57% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.24% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 36th — a 24-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 AREA SCHOOLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $195.65M | 50th pct | 52th pct |
| Members | 12,339 | 46th pct | 52th pct |
| Net worth ratio | 12.10% | 58th pct | 49th pct |
| Return on average assets | 0.35% | 26th pct | 18th pct |
| Net interest margin | 1.67% | 0th pct | 0th pct |
| Cost of funds | 2.57% | 97th pct | 97th pct |
| Loan-to-share | 50.40% | 13th pct | 36th pct |
| Delinquency 60+ days | 0.24% | 18th pct | 23th pct |
| Net charge-off ratio | 0.26% | 39th pct | 39th pct |
| Loan growth YoY | -2.35% | 22th pct | 21th pct |
| Share growth YoY | 4.01% | 58th pct | 54th pct |
| Efficiency ratio | 78.57% | 50th pct | 57th pct |
structural peer set hash: efd56292740d906564c5dac33cad1854… (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.