Overview / Commentary
423-535-6103
1 Cameron Hill Cir
Chattanooga, TN 37402

BCBST Employee Credit Union is headquartered in Chattanooga and is the 107th largest credit union in the state of Tennessee. It is also the 3,992nd largest credit union in the nation. It was established in 1971 and as of June of 2018, it had grown to 4 employees and 2,661 members at 2 locations. BCBST Employee Credit Union's CD rates are 39% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

BCBST Employee CU is open to BCBST employees, current or retired, their husband/wife, and their children; if they are still considered to be dependent on the CU membership holder.
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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. BCBST Employee Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #67738
Year Chartered1971
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD1.79%
Annual Interest Income$158.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$11.2MM$10.6MM
LoansQ2 2018vs Q2 2017$3.1MM$3.4MM
DepositsQ2 2018vs Q2 2017$9.1MM$8.5MM
Equity CapitalQ2 2018vs Q2 2017$2.0MM$2.0MM
Loan Loss AllowanceQ2 2018vs Q2 2017$40.00K$33.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$15.00K$21.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

BCBST Employee Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$100-Individual Retirement Accumulation
0.15%*$501*-Regular Share Account
OTHER TIERS: 0.10% $5 - $501
0.05%$5-Christmas Club Account

BCBST Employee Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%$1k-24 Month Share Certificate
1.50%$1k-18 Month Share Certificate
1.25%$1k-12 Month Share Certificate
1.00%$1k-180 Day Share Certificate

BCBST Employee Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%$1k-24 Month IRA Share Certificate
1.50%$1k-18 Month IRA Share Certificate
1.25%$1k-12 Month IRA Share Certificate
1.00%$1k-180 Day IRA Share Certificate
Locations


BCBST Employee Credit Union Locations
Branch Office401 W ML King BlvdChattanooga, TN 37402
Branch Office1 Cameron Hill CirChattanooga, TN 37402

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