State credit union · CHATTANOOGA, Tennessee · NCUA charter #67738
Bcbst Employees
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $10.3M
- Total assets
- 1,736
- Members
- 21.5%
- Net-worth ratio
Bcbst Employees scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.3M; members 1,736; net-worth ratio 21.49%; health rank #2,809 of 4,374; healthier than 33rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,809 of 4,374 health · 2025Q4Bcbst Employees · health 79/100 · $10.3M · 2025Q4
- MEM 79/100
- RANK 21.5%
- PHOTO 0.00%
- BOOK 0.99%
- CHARTER $10.3M
- NCUSIF 1,736
- CAMELS #2,809/4,374
- HEALTH Local No. 317 I.a.F.F.
- NW 67738
Call Report peers
Bcbst Employees in the assets neighbourhood
Bcbst Employees's $10.3M assets sit next to Local No. 317 I.a.F.F. ($10.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bcbst Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Bcbst Employees - Share Insurance Coverage
Charter #67738's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Bcbst Employees: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +6.63 pp (21.49% vs 14.86%).
- Largest lag: Loan-to-Share Ratio at 32.90% vs peer 59.80% (-26.90 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Bcbst Employees: in-state Call Report ranks
- In Tennessee, health place is #79 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, Bcbst Employees is #106 of 127 in Tennessee.
- Membership ranks #91 of 127 among Tennessee CUs with a reported count (1,736 members).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Bcbst Employees
Bcbst Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.5% from $10.3M (2025Q4) to $10.0M (2026Q1).
- Net-worth ratio shifted +0.78 pp (20.71% → 21.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
21.49% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.0 pts
Bcbst Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.49% | +6.63 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.99% | +0.29 pp |
| Member Growth | -10.24% | - |
| Loan-to-Share Ratio | 32.90% | -26.90 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.0M | - |
| 2025Q4 | $10.3M | 1,736 |
| 2024Q4 | $10.5M | 1,934 |
| 2023Q4 | $11.4M | 2,050 |
Credit Union Details
- Charter Number
- 67738
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- CHATTANOOGA
- Data Quarter
- 2025Q4
Branch Location
Bcbst Employees operates a single office in Chattanooga, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Cameron Hill (Main Office) | Chattanooga, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
Bcbst Employees nationwide neighbourhoods
Two NCUA Call Report peer sets for Bcbst Employees, both outside Tennessee so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Bcbst Employees ranks #2,809 of 4,374 nationally on financial health and #79 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cn/Ic Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cn/Ic Employees
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Bcbst Employees financially healthy?
Yes/no aside, the number is 79/100 (Very Good) - Bcbst Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,809 of 4,374; by total assets it ranks #3,547 of 4,374 nationally (same basis as /rankings/largest); and #106 of 127 within Tennessee. Above 80 reads excellent, below 50 warrants closer monitoring; a 21.49% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Bcbst Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Bcbst Employees's 79/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Bcbst Employees?
Membership eligibility for Bcbst Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Bcbst Employees directly for current membership requirements and application steps.
Is my money safe at Bcbst Employees?
Federal credit unions like Bcbst Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Bcbst Employees's net worth ratio of 21.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bcbst Employees offer compared to banks?
Credit unions like Bcbst Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Bcbst Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.