State credit union · CHATTANOOGA, Tennessee · NCUA charter #60619
Epb Employees
Health score 52/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $40.0M
- Total assets
- 2,483
- Members
- 8.5%
- Net-worth ratio
Epb Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60619 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Epb Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)87
- Asset quality (delinquency)21
- Earnings (ROA)23
- Member growth49
- Liquidity (loan-to-share)68
Weighted composite: 52/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.47% | 30% |
| Delinquency Rate | 3.17% | 25% |
| Return on Assets | -0.12% | 15% |
| Member Growth | -0.88% | 15% |
| Loan-to-Share Ratio | 45.85% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $40.0M | 2,483 |
| 2024Q4 | $38.8M | 2,505 |
| 2023Q4 | $40.6M | 2,517 |
Credit Union Details
- Charter Number
- 60619
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- CHATTANOOGA
- Data Quarter
- 2025Q4
What This Data Says About Epb Employees
Headquartered in CHATTANOOGA, Tennessee, Epb Employees is a state credit union with 2,483 members, $40.0M in total assets, and $16.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 52/100 (Fair), driven in part by a net worth ratio of 8.47% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #60619 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 3.17% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Meanwhile a 45.85% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.12% on net income of $-48512 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.88%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Epb Employees financially healthy?
Yes/no aside, the number is 52/100 (Fair) - Epb Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.47% net worth ratio and 3.17% delinquency rate are the key drivers.
How does Epb Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Epb Employees's 52/100 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 Epb Employees?
Membership eligibility for Epb Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Epb Employees directly for current membership requirements and application steps.
Is my money safe at Epb Employees?
Federal credit unions like Epb 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. Epb Employees's net worth ratio of 8.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Epb Employees offer compared to banks?
Credit unions like Epb 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 Epb Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.