Overview / Commentary
EPB Employees Credit Union is headquartered in Chattanooga and is the 79th largest credit union in the state of Tennessee. It is also the 2,985th largest credit union in the nation. It was established in 1954 and as of December of 2019, it had grown to 6 employees and 2,318 members at 2 locations. EPB Employees Credit Union has a C+ health rating.
Field of Membership Restrictions
EPB Employees Credit Union is open to current and retired employees of EPB, employees of EPB affiliated companies, the credit union employees and family members of all those eligible.
See current membership details
Health
C+
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. EPB Employees Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 60619 |
| Year Chartered | 1954 |
| Employees | 6 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.29% |
| Return on Equity - YTD | 2.62% |
| Annual Interest Income | $1.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2019vs Q4 2018 | $27.6MM$28.6MM |
| Loans | Q4 2019vs Q4 2018 | $15.2MM$15.1MM |
| Deposits | Q4 2019vs Q4 2018 | $24.3MM$25.5MM |
| Equity Capital | Q4 2019vs Q4 2018 | $3.1MM$2.9MM |
| Loan Loss Allowance | Q4 2019vs Q4 2018 | $110.00K$129.00K |
| Unbacked Noncurrent Loans | Q4 2019vs Q4 2018 | $318.00K$249.00K |
| Real Estate Owned | Q4 2019vs Q4 2018 | $0$0 |