# COMTRUST
CHATTANOOGA, TN · NCUA charter 606 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/comtrust-606

Who the members are: federal charter, multiple common bond, organized 1935, low-income designated. 17,550 members of 73,023 potential (24.0% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 26.

**Verdict on the desk:** this could be *quiet fade*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $429.5M |
| Members | 17,550 (-5.8% YoY) |
| Full-time staff | 57 |
| Net worth | $48.5M |
| Net worth ratio | 11.3% (p51 of band) |
| ROA (annualized) | 0.50% (p35 of band) |
| Total delinquency | 0.10% (p6 of band) |
| Net charge-offs (annualized) | 0.02% (p6 of band) |
| Loans / shares | 25% (p0 of band) |
| Cash / assets | 8.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.00% (p1 of band) |
| Operating expense / assets | 1.92% (p3 of band) |
| Vehicles % of loans | 33% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 44% |
| Third-party paper % of net worth | 29% (p34 of band) |
| Vehicle delinquency | 0.17% (p12 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 35% |
| Average share balance | $10,930 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 26% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $21,439 |
| Loans granted, annualized | $24.1M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 1 | members leaving | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | members leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, members leaving |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | net worth falling, losing money |  |
| 2024-06 | 3 | delinquency rising | losing money |
| 2024-09 | 1 |  | net worth falling, delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-11-04 [Comtrust credit union to build new headquarters on Riverfront Parkway - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMinAFBVV95cUxONVFRcFlreWVlYS1VSk1sb0RqMW9ybXp3U3h4bUlrWlFQNVA5X0lfZEJHZ1ZyNl80UFR4S25FY0gtOTVTbG0yenpsNDlnbzVMXzVoalNtT1dBT05Bd1hnTlJqOTZzVGZ3cElzT3AtRTR3TUlhQXdCRjAxQXBUOGwtclhSYnRPeWJOVkpaRjAtZHRwVHV6Uk1nS0tqYkk?oc=5) · Chattanooga Times Free Press
- 2025-05-07 [Mr. Grant Parrish - View Obituary & Service Information - wilsonfuneralhome.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE5VaFptcnh0Xzl6VGkxVUlLQVJ0OV96Nk9pYnFWYVlqNzd2ay1fSTd2T1dtSHBfbXI0S2gxSDdCb1lncnNRTVhnQm9rLVVKdWNWcUtHd3NZejZOUk5GQXk1M0trVFpEbzJXR2lLbFJn?oc=5) · wilsonfuneralhome.com
- 2014-10-18 [Janette Wennerstrom Obituary - Hixson, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxOeGd2cXJzeEdPTi1jYkc0TnR4dHI1dXMzODFlc3d0a3Vzd2VLYkpJc0Jkb3FxUHZpR2RyX0cwN3N0SXRfZk92V2U5cU1pTVotSk80eXNtRDVVSEVXYjg3OF9IOFpQTjR3Qy1HUDJIQjBIWTc3Y28wNVFvWEcxWWJvTmJ0c3ZieUU?oc=5) · Dignity Memorial
- 2018-08-17 [Soddy Daisy Man Who Robbed 2 Credit Union Branches While Unarmed Gets 4-Year Federal Prison Sentence - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMijwFBVV95cUxPZkd0Tm0wNGxXZXk3Tl9aSFRLd3pETnJXWWtqS3lzRjJNSXAwMmJzNmd2cGFDOXVGTGg2MGN0clAxODdxYjdOWnV0SEFmUXFONTU4OEFYcXJGZ2JkRHQ3a2U5YlNpMU52LUdQYndqYzA4Q1VMSzg4TllMOWdoMjlqRjRORDdXU0stUld6bE1Udw?oc=5) · Chattanoogan.com Breaking News
- 2025-05-07 [Judy Jackson Allison - View Obituary & Service Information - wilsonfuneralhome.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE9mMng4N3ZGTnlsMHBaLWV5WnlnUGRqNkJYRE8xOVV6QmxJazJpel85alpUeTR1X1VpOVd1UE05NDBpUjhWTDJVaXJVWjB2Tl9ncFREXzhsNHBiZlBCaW5JZEVBd1lxZkdaSG5QdjdtYw?oc=5) · wilsonfuneralhome.com
- 2015-07-28 [Credit union robber traveled from Tennessee to Chatsworth - Washington Times](https://news.google.com/rss/articles/CBMiogFBVV95cUxPNXhNYTdVVWVTMDlnX2J6Nnd4UlNjT0FmQVliVDRaTFNPaUMwLVFZMEFVelJVeDgxZVRUN1RIeGUteWhSX1I0Z05uZkZtUjBZS3FYdWJBdFJVZHVGQUlnME1aMHQ0OU4xSm9ENU9zb0ROei00eVFEVW9nU1RmY2pCXzlYSlBVVmlYMm1pWXk4SC00cWpnVnlYeUEycDllSHlURVE?oc=5) · Washington Times
- 2024-01-07 [Mr. Ralph Alvin Nation Obituary (2024) - Chickamauga, GA - Wilson Funeral Homes - Chickamauga Chapel - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPbWF4bHlnLTc2MVVPOHYxWVRuMWNKUFdVaDktcUNvWHlZWlh2dmYyY2I2NTUtRjFjdHdkN2ZxcnBkbmZ5aXJoRkpjMGZTMTFpTUtDQnlrclI4RUp5ZFRhODlQd2VMNlRCS1huM2xhbHVNeGxBS2U4M3piLUxsZ3FzTA?oc=5) · legacy.com
- 2018-03-06 [Jordan Julian Obituary - Hixson, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5jUDIxMFFUekNZaWcxRDk4QVNTNm9UNWd4eHE0dWgwNTBjdlZGRGV5WHFWdnozYVFlZ3A3bTRPc0tMVlZZckVQTEVRYlgybHNOQ2VCS05LVTh5VkJZRkx2U29RNHFoVTJTNXlVcHFGbUhXLTBabTA4d25pYXk4ZWc?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=606 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/30.json (key "606", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=606
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide