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
Call Report peers
Bcbst Employees in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Bcbst Employees sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Tennessee, VANDERBILT (#78) scores 80/100, 1 point higher; one place down, P.I.A.S. (#80) ties at 79/100.
Quarter path for Bcbst Employees
Bcbst Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.5% from $10.3M (2025Q4) to $10.0M (2026Q1).
- Net-worth ratio shifted +0.78 pp (20.71% → 21.49%).
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
Bcbst Employees gives up 21 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Bcbst Employees financially healthy?
Bcbst Employees has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,809 of 4,374 nationally on health and #79 of 127 in Tennessee. Its net worth ratio is 21.49% and its delinquency rate 0.00%.
How does Bcbst Employees compare to other credit unions?
Bcbst Employees scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (21.49% vs 14.86%). Its widest shortfall is loan-to-share ratio (32.90% vs 59.80%).
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?
Bcbst Employees is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.