TellerScore

Bcbst Employees Credit Union (NCUA charter #67738) is based in Chattanooga, Tennessee. Its Q2 2026 call report shows $8.3M in total assets and $6.2M in member shares and deposits and 1 office.

Bcbst Employees Credit Union has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 89% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 18th. Capital cushion contributes the most (100/100, 25.64%); earnings contributes the least (53/100, 0.82%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 25.64%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.11%
Earnings53/100
Return on assets (annualized): 0.82%
Funding & liquidity100/100
Loans ÷ shares: 30.9% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.10%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (88 → 90), mostly because the earnings component improved by 12 points.

TellerScore
879092Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202492
Q4 202492
Q1 202587
Q2 202588
Q3 202590
Q4 202590
Q1 202689
Q2 202690
Net worth ratio
7.00%16.32%25.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.81%
Q3 202418.61%
Q4 202419.52%
Q1 202519.59%
Q2 202519.03%
Q3 202520.12%
Q4 202520.71%
Q1 202621.49%
Q2 202625.64%
Delinquent loans (60+ days)
0.00%0.06%0.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.02%
Q3 20240.02%
Q4 20240.01%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.11%
Return on assets
0.34%0.67%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.60%
Q3 20241.00%
Q4 20240.97%
Q1 20250.34%
Q2 20250.53%
Q3 20250.72%
Q4 20250.80%
Q1 20260.59%
Q2 20260.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$8.3M25.64%0.11%0.82%30.9%
Q1 202689$10.0M21.49%0.00%0.59%29.9%
Q4 202590$10.3M20.71%0.00%0.80%32.9%
Q3 202590$10.5M20.12%0.00%0.72%32.7%
Q2 202588$10.9M19.03%0.00%0.53%32.7%
Q1 202587$10.6M19.59%0.00%0.34%33.2%
Q4 202492$10.5M19.52%0.01%0.97%37.1%
Q3 202492$10.9M18.61%0.02%1.00%35.7%
Q2 202489$11.1M17.81%0.02%0.60%36.9%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio25.64%
90th
Problem loans0.11%
79th
Net charge-offs0.17%
51st
Return on assets0.82%
59th
Loans to deposits30.9%
88th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.1%
84th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Gallatin Steam Plant Credit UnionCredit union Gallatin, TN65 out of 100, Moderate$8.1M17.0%2.55%vs
Memorial Credit UnionCredit union Chattanooga, TN67 out of 100, Moderate$7.1M13.8%1.20%vs
Church of God Credit UnionCredit union Cleveland, TN55 out of 100, Moderate$6.7M7.3%0.00%vs
Cn/Ic Employees Credit UnionCredit union Memphis, TN63 out of 100, Moderate$10.4M13.6%1.04%vs
Tennessee Department of Safety Credit UnionCredit union Nashville, TN93 out of 100, Very strong$12.0M26.6%0.00%vs
Delta Refining Co Emp Federal Credit UnionCredit union Memphis, TN80 out of 100, Strong$4.6M21.4%0.00%vs

Deposit insurance

Is my money safe at Bcbst Employees Credit Union?

Yes. Bcbst Employees Credit Union is a federally insured credit union (NCUA charter #67738). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 25.64%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Bcbst Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bcbst Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67738
RSSD ID
1019344
Primary regulator
State + NCUA
Established
1971
Headquarters
1 Cameron Hill Cir, Chattanooga, TN 37402
Employees
3

Quick answers

Bcbst Employees Credit Union: common questions

Is Bcbst Employees Credit Union NCUA insured?

Yes. Bcbst Employees Credit Union is a federally insured credit union (NCUA charter #67738). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Bcbst Employees Credit Union's TellerScore?

90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Bcbst Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
First Jackson Bank, Inc.Bank Stevenson, AL93 out of 100, Very strong$444.3M14.8%0.08%vs
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Walker County Educators Federal Credit UnionCredit union Chickamauga, GA87 out of 100, Very strong$15.1M24.8%0.03%vs
Chattanooga Federal Employees Credit UnionCredit union Chattanooga, TN85 out of 100, Very strong$76.0M16.9%0.39%vs
Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN84 out of 100, Strong$3.3B14.8%0.77%vs
First National Community BankBank Chatsworth, GA84 out of 100, Strong$754.7M12.9%0.43%vs