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.

From Q2 2025 to Q2 2026, the score rose 13 points (62 → 75), mostly because the earnings component improved by 43 points.

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

Similar-size credit unions in Tennessee

Yes. Bowater Employees Credit Union is a federally insured credit union (NCUA charter #67970). 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 6.9% of shares and deposits ($18.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.77%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Bowater Employees Credit Union lists 4 offices in 3 cities. Most locations:

• Athens, TN (2)
• Calhoun, TN (1)
• Cleveland, TN (1)

All branch addresses and map

In 2025, Bowater Employees Credit Union reported 37 home-loan applications under HMDA (LEI 254900TTXC2DBWKBNZ05): 15 originated ($4,165,000 total), 7 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Bowater Employees Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

67970

RSSD ID

520898

Primary regulator

State + NCUA

Established

1954

Headquarters

PO Box 359, Calhoun, TN 37309

Employees

71