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
- RANK 56/100
- PHOTO 10.8%
- BOOK 3.17%
- CHARTER -0.12%
- NCUSIF $40.0M
- CAMELS 2,483
- HEALTH #4,164/4,374
- NW Lu 354 I B E W
- DELQ 60619
Call Report peers
Epb Employees in the assets neighbourhood
Epb Employees's $40.0M assets sit next to Lu 354 I B E W ($40.1M) 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.
Epb 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
56 5th percentile higher than 5% 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
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: Call Report deltas vs peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.95 pp (45.85% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Epb Employees Call Report trajectory
Epb Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.7% from $40.0M (2025Q4) to $39.0M (2026Q1).
- Net-worth ratio shifted +0.38 pp (10.37% → 10.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 56.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Epb Employees, both outside Tennessee so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($40.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (56/100 here).
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
- 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 Epb Employees financially healthy?
Yes/no aside, the number is 56/100 (Fair) - Epb Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,164 of 4,374; by total assets it ranks #2,602 of 4,374 nationally (same basis as /rankings/largest); and #71 of 127 within Tennessee. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.75% 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 56/100 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 10.75% 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.
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.