Federal credit union · CHATTANOOGA, Tennessee · NCUA charter #14634
I B E W 175
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $13.0M
- Total assets
- 1,625
- Members
- 17.4%
- Net-worth ratio
I B E W 175 scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.0M; members 1,625; net-worth ratio 17.44%; health rank #3,518 of 4,374; healthier than 18th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,518 of 4,374 health · 2025Q4I B E W 175 · health 71/100 · $13.0M · 2025Q4
- PHOTO 71/100
- BOOK 17.4%
- CHARTER 5.24%
- NCUSIF 3.12%
- CAMELS $13.0M
- HEALTH 1,625
- NW #3,518/4,374
- DELQ Clairton Works
- ROA 14634
Call Report peers
I B E W 175 in the assets neighbourhood
I B E W 175's $13.0M assets sit next to Clairton Works ($13.0M) 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.
I B E W 175 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
71 18th percentile higher than 18% 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
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.
Peer-gap read for I B E W 175
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +29.13 pp (88.93% vs 59.80%).
- Largest lag: Delinquency Rate at 5.24% vs peer 1.15% (+4.10 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
I B E W 175 in Tennessee
- In Tennessee, health place is #109 of 127 on the same NCUA-ratio sort used nationally.
- Tennessee assets place: #103 of 127.
- Membership ranks #96 of 127 among Tennessee CUs with a reported count (1,625 members).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for I B E W 175
I B E W 175: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $13.0M (2025Q4) to $13.5M (2026Q1).
- Net-worth ratio shifted +0.42 pp (17.02% → 17.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 17.44%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 14.6 pts
I B E W 175 vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.44% | +2.58 pp |
| Delinquency Rate | 5.24% | +4.10 pp |
| Return on Assets | 3.12% | +2.42 pp |
| Member Growth | 2.01% | - |
| Loan-to-Share Ratio | 88.93% | +29.13 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 - I B E W 175
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.5M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, I B E W 175 runs one office.
| Office | City |
|---|---|
| IBEW175 FEDERAL CREDIT UNION (Main Office) | CHATTANOOGA, 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.
Other-state peers near I B E W 175
Two NCUA Call Report peer sets for I B E W 175, 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 ($13.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- I B E W 175 ranks #3,518 of 4,374 nationally on financial health and #109 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Knox Co. Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Knox Co. Employees
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,518 of 4,374; by total assets it ranks #3,408 of 4,374 nationally (same basis as /rankings/largest); and #103 of 127 within Tennessee. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.44% 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 17.44% 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.
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.