Chattanooga, Tennessee · Peer group 5
Chattanooga Area Schools Credit Union
Chattanooga Area Schools Credit Union holds $195.6M in assets across 12,339 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1935. Charter number 690, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $195.6M |
|---|---|
| Total loans | $86.3M |
| Total shares (deposits) | $171.3M |
| Net worth | $23.7M |
| Members | 12,339 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 4.8% | |
|---|---|---|
| Loans | 5.1% | around the 63rd percentile of its peer group |
| Deposits | 5.4% | around the 68th percentile of its peer group |
| Members | 0.4% | around the 58th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 50.4% | around the 13th percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.1% | around the 58th percentile of its peer group |
| Return on assets | 0.35% | around the 26th percentile of its peer group |
| Delinquency ratio | 0.24% | around the 18th percentile of its peer group |
| Cash / assets | 8.2% | around the 33rd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Chattanooga Area Schools Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Tennessee — the comparison set a peer ratio is measured against.
- Northeast Community Credit Union
ELIZABETHTON, TN
$188.7M · 12,429 members
- Employee Resources Credit Union
LAWRENCEBURG, TN
$184.8M · 24,812 members
- Appalachian Community Credit Union
Kingsport, TN
$183.7M · 12,381 members
- Johnsonville TVA Employees Credit Union
CAMDEN, TN
$179.9M · 10,594 members
- Scenic Community Credit Union
Hixson, TN
$160.8M · 14,213 members
- Kimberly Clark Credit Union
MEMPHIS, TN
$145.9M · 8,240 members
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