State credit union · CHATTANOOGA, Tennessee · NCUA charter #60619
Epb Employees
Health score 56/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $40.0M
- Total assets
- 2,483
- Members
- 10.8%
- Net-worth ratio
Epb Employees scores 56/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $40.0M; members 2,483; net-worth ratio 10.75%; health rank #4,164 of 4,374; healthier than 5th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,164 of 4,374 health · 2025Q4Epb Employees · health 56/100 · $40.0M · 2025Q4
Call Report peers
Epb Employees in the assets neighbourhood
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Epb Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Epb Employees sits in 55-59 with 115 others.
56 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Epb Employees: Call Report deltas vs peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.95 pp (45.85% vs 59.80%).
Epb Employees: in-state Call Report ranks
- Tennessee health ordinal: #121 of 127.
- Tennessee assets place: #71 of 127.
- Tennessee membership ordinal: #78 of 127.
- One place up in Tennessee, Patriot Equity (#120) scores 57/100, 1 point higher; one place down, Basf Chattanooga (#122) scores 55/100, 1 point lower.
Epb Employees Call Report trajectory
Epb Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.7% from $40.0M (2025Q4) to $39.0M (2026Q1).
- Net-worth ratio shifted +0.38 pp (10.37% → 10.75%).
This credit union's 10.75% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 56/100 score is built
Epb Employees gives up 44 points in total. Delinquency Rate costs the most, 19.8 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 5.2 pts
- Return on Assets 3.4 pts
- Member Growth 7.4 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.75% | -4.11 pp |
| Delinquency Rate | 3.17% | +2.02 pp |
| Return on Assets | -0.12% | -0.83 pp |
| Member Growth | -0.88% | - |
| Loan-to-Share Ratio | 45.85% | -13.95 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Epb Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.0M | - |
| 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
Branch Locations (3)
Epb Employees operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Chattanooga, TN |
| Portico - Fiserv Financial Services | Brookfield, WI |
| Downtown Branch | Chattanooga, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Epb Employees nationwide neighbourhoods
Similar total assets
Using this data
- Epb Employees ranks #4,164 of 4,374 nationally on financial health and #121 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- M.P.D. Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with M.P.D. Community
Frequently Asked Questions
Is Epb Employees financially healthy?
Epb Employees has a financial health score of 56/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,164 of 4,374 nationally on health and #121 of 127 in Tennessee. Its net worth ratio is 10.75% and its delinquency rate 3.17%.
How does Epb Employees compare to other credit unions?
Epb Employees scores 56/100, higher than 5% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (45.85% vs 59.80%).
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?
Epb 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. Epb Employees's net worth ratio of 10.75% 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.