Sep, 30, 2025 — CHATTANOOGA FIRST FEDERAL CREDIT UNION is a federal credit union headquartered in CHATTANOOGA, TN with 1 branch location and about $26.15 million in total assets. Opened 65 years ago in 1961, CHATTANOOGA FIRST FEDERAL CREDIT UNION has about 1,728 members and employs 5 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CHATTANOOGA FIRST FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 3120 Broad St CHATTANOOGA, TN 37408-3095 |
| Phone: | (423) 267-7621 |
| Fax: | (423) 266-5666 |
| Website: | https://www.chattfirst.org |
| Branches: | 1 branch locations |
| Members: | 1,728 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 14725 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1961 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $26,148,965 |
| CEO/Manager: | Terri F Stansell |
| Chairperson: | Len A Strombergh |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,011,509 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 6,259,664 |
| Unsecured Loans | 307,568 |
| Other Loans | 7,926,012 |
| TOTAL LOANS | 14,493,244 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -89,650 |
| Land And Building | 611,170 |
| Other Fixed Assets | 30,083 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 202,929 |
| All Other Assets | 118,842 |
| TOTAL ASSETS | 26,148,965 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 126,025 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 64,723 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 711,873 |
| Regular shares | 6,650,866 |
| All Other Shares & Deposits | 12,869,079 |
| TOTAL SHARES & DEPOSITS | 20,231,818 |
| TOTAL LIABILITIES | 20,422,566 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 5,726,399 |
| TOTAL EQUITY | 5,726,399 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 26,148,965 |
| INCOME & EXPENSE | |
| Loan Income | 726,543 |
| Investment Income | 291,386 |
| Other Income | 59,743 |
| Total Employee Compensation & Benefits | 257,493 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 336,819 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 29,764 |
| Cost of Funds | 397,660 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 58,132 |
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