# CHATTANOOGA AREA SCHOOLS
CHATTANOOGA, TN · NCUA charter 690 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/chattanooga-area-schools-690

Who the members are: federal charter, educational (single sponsor), organized 1935, low-income designated. 12,339 members of 40,000 potential (30.9% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $195.6M |
| Members | 12,339 (0.4% YoY) |
| Full-time staff | 14 |
| Net worth | $23.7M |
| Net worth ratio | 12.1% (p55 of band) |
| ROA (annualized) | 0.35% (p27 of band) |
| Total delinquency | 0.24% (p19 of band) |
| Net charge-offs (annualized) | 0.27% (p42 of band) |
| Loans / shares | 50% (p17 of band) |
| Cash / assets | 26.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.66% (p1 of band) |
| Operating expense / assets | 1.32% (p2 of band) |
| Vehicles % of loans | 46% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.39% (p36 of band) |
| Vehicle NCO | 0.57% (p52 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 28% |
| Certificates % of member funds | 47% |
| Average share balance | $10,636 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $22,672 |
| Loans granted, annualized | $26.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## 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 |  |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 0 |  | net worth falling, delinquency rising |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 1 | losing money | delinquency rising |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | losing money |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | net worth falling |  |

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

- 2025-07-28 [Obituary information for Larry E. - Heritage Funeral Home & Crematory](https://news.google.com/rss/articles/CBMid0FVX3lxTE9hVThPUDR4VmlBdjNoN0ZHcUpGZ2pvajl0dENvRmlhc1lQR0xzcVVmT0NweWh5bVFrZEFHLXdHY20wRHBXOE1Qd0dOR2JPS0FIZ0o4bUU4R0UxQkp6dWZUbEs5ZVBtbWhiUzhZaXdWYVg0WGJ2WkZB?oc=5) · Heritage Funeral Home & Crematory
- 2024-01-19 [Hamilton County Schools recognizes the 2024 Teachers of the Year - WDEF](https://news.google.com/rss/articles/CBMijwFBVV95cUxQeDhKMTBkbEt6Um9qbmFhc0VkcTBXOUlVeDJ2WVRPQ2VQQ19zVHpTZTQtdzh0VWd4RDY5NTBIY0pma3ljTm1xSkxvekxZVVFjUU90YzJsSTBlZVlDRWNOaGtYX0NjWGsyenBHNzlWVzVucmVsc2NUMlo1UGVYN013Zi1yTENpUmZXVDBzOHBROA?oc=5) · WDEF
- 2026-04-29 [Hamilton County names Hagan, Welch principals of the year - Local 3 News](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOVHpzNEdtX3hodjhBTFZEVDJVeWFfSEZTZXJmbm5VNGxDUWFGUFRha0tqVmJOUkVxajNVcHloNE43Nm1kQ2lwSE1INDhiMnVuX2lCWC02OGdWSlprUkkydXBBbV9iWUNWX1JJdHM4b3N3dzViVkQ4bC02WC1XZkFseTVyZXROalFlcFlCczlVblEyTkZJenlsUHQ5OFVMcmh3ZDFFNHRwenctYzlDSW13SFVvN3hfQ1h3ZVdGQlJ6b0VZV0xZeTdsR0RzaW5CbVN0eGNzMzlCWE1TekRi?oc=5) · Local 3 News
- 2025-03-14 [3 Teachers Of The Year Honored - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPNDlKcEpjNFE5TUFmd29lNmo3X0hMMkFxMW9tS0xiZ0lacGsyWnNWVU1LQzlBNHRRNkxNdzk2SFd1ZUFaSzREdkdlWHRlM1ZfZDE3WGJCbnlMckc3QnhqV1R6MDlRSVdBRDNjNmpzcV9kTm5jcXREbFp2Ylo1UENldU94dklLeEw5?oc=5) · Chattanoogan.com Breaking News
- 2025-03-14 [Hamilton County Schools celebrates its Teachers of the Year - newschannel9.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxOOEd2ZEpqbHRMTWxMS0xJMkVjXzVKTVhvSnhMaDgwN1BVOExHU0tFWDlHaWlIcmJycWZDWkM2a2hQYnJKZGZ6YjlzQldDNVB6T0xIejJ3b1JwRUk3OWVYUVI1V1Yyd3htOXJGdXBKcEo0c1VuaXZpaWZ4OWg5NldHRWhkcmFkdll3bk5pYmM4emVCOGhFTW1ERURhdw?oc=5) · newschannel9.com
- 2015-10-17 [Joyce Hewitt Obituary - Hixson, TN - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE1VS19YSndrMUNVdEo0X2lLWU9BWUhtNTMxbmxIaUptOWtvelIzUFhhTy1nZlFhRXI3T0dUY1VjYUpMLTBWeHdHUWQxejFmdUpwanA1Nnl5ZHJhbjFUOFVBRVVRaXZKZmNDWjVObHVlS3pkUmZqMWFfOWc4UHZ2Zw?oc=5) · Dignity Memorial
- 2025-10-23 [McMinn Hall of Fame welcomes two individuals, 1990-1991 basketball team for 2025 - The Daily Post-Athenian](https://news.google.com/rss/articles/CBMilAFBVV95cUxNSGNoTzJOajNtR2pwLU9xR3pQWGZvdUM0MXB0eksxWUhPN1gtVlhvNmp5ckY1dFlZOU9rVnFOMTlYekVoMGlmc3dvR1ozakxDOWt1SlpTUnVtcWRZdFBwWElpckEwbkpZc3F5SlI1UDhQMDNCQ0JmZEdzb0o0eVRmS0otOGZlczBuWU5JeHRwZXhtUU1a?oc=5) · The Daily Post-Athenian
- 2016-08-09 [PlayCore And Kiwanis Club Help Install New Playground For East Lake Elementary - Chattanoogan.com Breaking News](https://news.google.com/rss/articles/CBMikgFBVV95cUxQM2JFeDZsQkRJZ2MwV2FCZFBiRnFUZXp1clUyS3pMVFRwemcyX2VoQ3U0eUFsMUlQSnNMWjJ0ZlNVaVRzeGpLNEhLNmtoMGpQRzdaalBNNjg3U2pBWXQwZ0ZYM1lpSjJ4N1ZiZ0xUdE9JR2hYdUUxZks0UzRjaVFKd3RaelNyWXFXNnF3NnJVYWp4QQ?oc=5) · Chattanoogan.com Breaking News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=690 (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/50.json (key "690", 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=690
- 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