# CHATTANOOGA FEDERAL EMPLOYEES
Chattanooga, TN · NCUA charter 62537 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/chattanooga-federal-employees-62537

Who the members are: state charter, organized 1925. 2,843 members of 6,000 potential (47.4% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $75.0M |
| Members | 2,843 (-1.1% YoY) |
| Full-time staff | 9 |
| Net worth | $12.7M |
| Net worth ratio | 16.9% (p81 of band) |
| ROA (annualized) | 0.51% (p40 of band) |
| Total delinquency | 1.03% (p73 of band) |
| Net charge-offs (annualized) | 0.34% (p59 of band) |
| Loans / shares | 65% (p56 of band) |
| Cash / assets | 39.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.77% (p10 of band) |
| Operating expense / assets | 2.40% (p11 of band) |
| Vehicles % of loans | 34% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 5% |
| Third-party paper % of net worth | 5% (p60 of band) |
| Vehicle delinquency | 1.41% (p80 of band) |
| Vehicle NCO | 1.35% (p88 of band) |
| Repossessed % of vehicle book | 0.22% (p91 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 16% |
| Certificates % of member funds | 45% |
| Average share balance | $11,271 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $22,677 |
| Loans granted, annualized | $10.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | delinquency 2x band |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 2 | assets shrinking |  |
| 2017-09 | 1 |  | assets shrinking |
| 2017-12 | 0 |  | members leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | net worth falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | loan book shrinking |  |
| 2020-09 | 3 | delinquency 2x band, delinquency rising | loan book shrinking |
| 2020-12 | 0 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2021-03 | 1 | repo signal |  |
| 2021-06 | 1 | delinquency 2x band | repo signal |
| 2021-09 | 0 |  | delinquency 2x band |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | repo signal |  |
| 2023-03 | 2 | delinquency 2x band, delinquency rising | repo signal |
| 2023-06 | 0 |  | delinquency 2x band, delinquency rising |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | net worth falling |  |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-09 | 1 |  | net worth falling, delinquency 2x band |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2025-06-05 [Chattanooga Federal Employees Credit Union, the second oldest in Tennessee, turns 100 - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQNjNBQU94OFAxYWZoZW5EVFF1QnJVY0ZUeDJpVF9jck9NUzdOazlUcTVRYUo0MzdjNjVHQjNDUDNQSWo2LWZrSXduZHFtTG1XT3BacUZpeXNIX1VuWXVpcDJHUVAtQXpzY3YzU0hWY2cxNnloU21TVTJ2U3FUZzZVSV9icGdLd1VzS1hQMjB4T2xlbmNmTkpTamJ5WVk4M21tSHJOMEsxY1RVZDNYUjRsODVqcjB2YjFlNFVpNVdPdVhhVm1VNmpRbEZWRl92V082cjdfWUNoNTVvSlJh?oc=5) · Chattanooga Times Free Press
- 2025-06-05 [Chattanooga Federal Employees Credit Union, the second oldest in Tennessee, turns 100 - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMimwFBVV95cUxPa1V6UkFPTGZnYVczc0JySTVoTWFCM2l6eUdnakxHaTJvZzJjZ3FaTnhKM1lMR0l6Tk4tbWtCeXJwakFqTEFDSGxsS21WamF5ZUZKVEFwcWg4RjZvNEp6ejBGWFRUZnlJNS1acFhlMC1UU0tvbDBtU2lERnBfUUtqNjEyenc3bF90X215WTQ0aTlZWmwxaWRwRjZTRQ?oc=5) · Chattanooga Times Free Press
- 2020-04-26 [James Igou Obituary - Hixson, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMie0FVX3lxTFA4MHFhWlE5aEJqay12aXA2VXNlek5iekZ2WnJ1OUdmQ2hWeEhBdF8wNlNYUG5hZUJ5YU1BY0stOG9nNjhpMnotb1dpSEJ3TjZvZnVxdmI2NkZEM0dwbVRXVUl2SFNaNEUyOU9LWGYxX1VxQXFtTnh4bk1HOA?oc=5) · Dignity Memorial
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2025-09-15 [Brooke Weaver Running For County Clerk With Knowles Endorsement - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdjNkcDh0TmVmN0hYYTZmZTJxUENUZ1hQVTdUSnkxVEZ6QUJGSXhrdmZOMkhiQWhnWG51SnNMYU9Fdmt0QlZrUjRWTmpUT1Bkd1cyOXdxN1FfOGJJbTBQaXNqYk1oek9kdHRNN2I5Tk9SLUJkY2FQWnVFeXFzRHdfaUg3b1N2ZUVrNHBPTlA3WkhpcXM?oc=5) · Chattanoogan.com Breaking News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62537 (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/9.json (key "62537", 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=62537
- 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