Federal credit union · CHATTANOOGA, Tennessee · NCUA charter #14634
I B E W 175
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $13.0M
- Total assets
- 1,625
- Members
- 17.0%
- Net-worth ratio
I B E W 175 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #14634 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
I B E W 175 - 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)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth76
- Liquidity (loan-to-share)100
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 17.02%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.02% | 30% |
| Delinquency Rate | 5.24% | 25% |
| Return on Assets | 3.12% | 15% |
| Member Growth | 2.01% | 15% |
| Loan-to-Share Ratio | 88.93% | 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 | $13.0M | 1,625 |
| 2024Q4 | $12.1M | 1,593 |
| 2023Q4 | $11.6M | 1,484 |
Credit Union Details
- Charter Number
- 14634
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- CHATTANOOGA
- Data Quarter
- 2025Q4
What This Data Says About I B E W 175
I B E W 175 is a federal credit union headquartered in CHATTANOOGA, Tennessee, serving 1,625 members with $13.0M in total assets and $9.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 71/100 (Very Good), anchored by a net worth ratio of 17.02% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #14634 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 5.24% 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 88.93% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 3.12% on net income of $406K 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 2.01%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
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 I B E W 175 financially healthy?
Yes/no aside, the number is 71/100 (Very Good) - I B E W 175's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.02% net worth ratio and 5.24% delinquency rate are the key drivers.
How does I B E W 175 compare to other credit unions?
I B E W 175 scores 71/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 I B E W 175?
I B E W 175 serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact I B E W 175 directly for the current list of qualifying groups.
Is my money safe at I B E W 175?
Federal credit unions like I B E W 175 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. I B E W 175's net worth ratio of 17.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does I B E W 175 offer compared to banks?
Credit unions like I B E W 175 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 I B E W 175 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.