State credit union · Calhoun, Tennessee · NCUA charter #67970
Bowater Employees
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $296.3M
- Total assets
- 20,680
- Members
- 10.3%
- Net-worth ratio
Bowater Employees scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $296.3M; members 20,680; net-worth ratio 10.31%; health rank #674 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#674 of 4,374 health · 2025Q4Bowater Employees · health 93/100 · $296.3M · 2025Q4
- BOOK 93/100
- CHARTER 10.3%
- NCUSIF 0.85%
- CAMELS 1.34%
- HEALTH $296.3M
- NW 20,680
- DELQ #674/4,374
- ROA BENCHMARK
- ASSETS 67970
Call Report peers
Bowater Employees in the assets neighbourhood
Bowater Employees's $296.3M assets sit next to BENCHMARK ($296.4M) 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.
Bowater 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
93 Top 16% higher than 84% 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
Bowater Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67970. See our deposit-insurance coverage note.
Bowater Employees vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 76.76% here, 72.20% peer average (+4.56 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.80 pp (10.31% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Bowater Employees in Tennessee
- Tennessee health ordinal: #24 of 127.
- By total assets, Bowater Employees is #24 of 127 in Tennessee.
- Tennessee membership ordinal: #24 of 127.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Bowater Employees: 2025Q4 → 2026Q1
Bowater Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $296.3M (2025Q4) to $300.1M (2026Q1).
- Net-worth ratio shifted +0.19 pp (10.12% → 10.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.5 pts
- Return on Assets 15.0 pts
- Member Growth 11.9 pts
- Loan-to-Share Ratio 14.6 pts
Bowater Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.31% | -1.80 pp |
| Delinquency Rate | 0.85% | -0.05 pp |
| Return on Assets | 1.34% | +0.72 pp |
| Member Growth | 2.40% | - |
| Loan-to-Share Ratio | 76.76% | +4.56 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $300.1M | - |
| 2025Q4 | $296.3M | 20,680 |
| 2024Q4 | $304.3M | 20,196 |
| 2023Q4 | $255.6M | 19,491 |
Credit Union Details
- Charter Number
- 67970
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- Calhoun
- Data Quarter
- 2025Q4
Branch Locations (6)
Bowater Employees operates 6 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Calhoun Branch (Main Office) | Calhoun, TN |
| Athens Branch | Athens, TN |
| Food City Athens Branch | Athens, TN |
| Hardwick Farms Branch | Cleveland, TN |
| King St Branch | Cleveland, TN |
| Keith St Branch | Cleveland, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Bowater Employees's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($296.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Bowater Employees ranks #674 of 4,374 nationally on financial health and #24 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- US Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with US Community
- 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 Bowater Employees financially healthy?
Bowater Employees has a financial health score of 93/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #674 of 4,374; by total assets it ranks #1,044 of 4,374 nationally (same basis as /rankings/largest); and #24 of 127 within Tennessee. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.31% and delinquency rate of 0.85%.
How does Bowater Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Bowater Employees's 93/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Bowater Employees?
Membership eligibility for Bowater Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Bowater Employees directly for current membership requirements and application steps.
Is my money safe at Bowater Employees?
Federal credit unions like Bowater 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. Bowater Employees's net worth ratio of 10.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bowater Employees offer compared to banks?
Credit unions like Bowater 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 Bowater 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.