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
Call Report peers
Bowater Employees in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Bowater Employees sits in 90-94 with 747 others.
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 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%).
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.
- One place up in Tennessee, Leaders Credit Union (#23) ties at 93/100; one place down, LAKESIDE (#25) scores 92/100, 1 point lower.
Bowater Employees: 2025Q4 → 2026Q1
Bowater Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $296.3M (2025Q4) to $300.1M (2026Q1).
- Net-worth ratio shifted +0.19 pp (10.12% → 10.31%).
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
Bowater Employees gives up 7 points in total. Delinquency Rate costs the most, 3.5 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Bowater Employees financially healthy?
Bowater Employees has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #674 of 4,374 nationally on health and #24 of 127 in Tennessee. Its net worth ratio is 10.31% and its delinquency rate 0.85%.
How does Bowater Employees compare to other credit unions?
Bowater Employees scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (76.76% vs 72.20%). Its widest shortfall is net worth ratio (10.31% vs 12.11%).
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?
Bowater 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. Bowater Employees's net worth ratio of 10.31% 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.