Overview / Commentary
BCBST Employee Credit Union is headquartered in Chattanooga and is the 106th largest credit union in the state of Tennessee. It is also the 3,939th largest credit union in the nation. It was established in 1971 and as of December of 2019, it had grown to 5 employees and 2,767 members at 2 locations. BCBST Employee Credit Union's CD rates are 94% 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.
See current membership details
Health
B+
Data as of Q4 2019
Learn why bank health mattersAdditional 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 Chartered | 1971 |
| Employees | 5 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.59% |
| Return on Equity - YTD | 3.07% |
| Annual Interest Income | $353.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2019vs Q4 2018 | $10.7MM$10.2MM |
| Loans | Q4 2019vs Q4 2018 | $3.0MM$3.3MM |
| Deposits | Q4 2019vs Q4 2018 | $8.5MM$8.1MM |
| Equity Capital | Q4 2019vs Q4 2018 | $2.1MM$2.1MM |
| Loan Loss Allowance | Q4 2019vs Q4 2018 | $23.00K$38.00K |
| Unbacked Noncurrent Loans | Q4 2019vs Q4 2018 | $9.00K$11.00K |
| Real Estate Owned | Q4 2019vs Q4 2018 | $0$0 |