Epb Employees Credit Union is a federally insured state-chartered credit union headquartered in Chattanooga, Tennessee, in business for about 72 years. At the end of Q2 2026 it reported $43.3M in total assets and $38.5M in member shares and deposits, with 4 offices across 2 states.
Based on its Q2 2026 filing, Epb Employees Credit Union scores 48/100, which we describe as below average. That is higher than only 7% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 115th. Its strongest component is funding & liquidity (100/100; 41% loans-to-deposits, 1% uninsured), and its lowest is loan quality (0/100; 8.72%).
TellerScore · Q2 2026
Scorecard
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 5 points (43 → 48), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 54 |
| Q4 2024 | 49 |
| Q1 2025 | 44 |
| Q2 2025 | 43 |
| Q3 2025 | 52 |
| Q4 2025 | 45 |
| Q1 2026 | 45 |
| Q2 2026 | 48 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.32% |
| Q3 2024 | 10.11% |
| Q4 2024 | 10.53% |
| Q1 2025 | 10.46% |
| Q2 2025 | 10.62% |
| Q3 2025 | 10.56% |
| Q4 2025 | 10.37% |
| Q1 2026 | 10.75% |
| Q2 2026 | 11.63% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.60% |
| Q3 2024 | 1.45% |
| Q4 2024 | 2.25% |
| Q1 2025 | 3.13% |
| Q2 2025 | 5.34% |
| Q3 2025 | 2.25% |
| Q4 2025 | 3.17% |
| Q1 2026 | 4.93% |
| Q2 2026 | 8.72% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.22% |
| Q3 2024 | -0.21% |
| Q4 2024 | -0.13% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.26% |
| Q1 2026 | 0.34% |
| Q2 2026 | 0.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 48 | $43.3M | 11.63% | 8.72% | 0.58% | 41.1% |
| Q1 2026 | 45 | $39.0M | 10.75% | 4.93% | 0.34% | 44.5% |
| Q4 2025 | 45 | $40.0M | 10.37% | 3.17% | 0.26% | 45.9% |
| Q3 2025 | 52 | $39.3M | 10.56% | 2.25% | 0.22% | 46.7% |
| Q2 2025 | 43 | $38.7M | 10.62% | 5.34% | 0.14% | 47.3% |
| Q1 2025 | 44 | $39.1M | 10.46% | 3.13% | 0.07% | 46.5% |
| Q4 2024 | 49 | $38.8M | 10.53% | 2.25% | -0.13% | 49.3% |
| Q3 2024 | 54 | $40.6M | 10.11% | 1.45% | -0.21% | 47.8% |
| Q2 2024 | 53 | $40.0M | 10.32% | 1.60% | -0.22% | 49.1% |
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).
Similar-size credit unions in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Collegedale Credit UnionCredit union Collegedale, TN | 70 out of 100, Strong | $44.6M | 9.6% | 0.32% | vs |
| Lakeside Credit UnionCredit union New Johnsonvill, TN | 89 out of 100, Very strong | $44.7M | 16.9% | 0.56% | vs |
| Ups Employees Credit UnionCredit union Memphis, TN | 90 out of 100, Very strong | $44.9M | 23.9% | 0.57% | vs |
| M.P.D. Community Credit UnionCredit union Nashville, TN | 71 out of 100, Strong | $41.0M | 11.3% | 0.79% | vs |
| Methodist Healthcare Federal Credit UnionCredit union Cordova, TN | 82 out of 100, Strong | $46.2M | 17.6% | 1.03% | vs |
| Nashville Firemen'S Credit UnionCredit union Nashville, TN | 72 out of 100, Strong | $39.2M | 18.2% | 1.19% | vs |
Deposit insurance
Is my money safe at Epb Employees Credit Union?
Yes. Epb Employees Credit Union is a federally insured credit union (NCUA charter #60619). 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 0.8% of shares and deposits ($302K) 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 11.63%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Epb Employees Credit Union lists 4 offices in 2 cities across 2 states. Most locations:
- Chattanooga, TN (3)
- Brookfield, WI (1)
Identity & history
Profile
- Legal name
- Epb Employees Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 60619
- RSSD ID
- 423494
- Primary regulator
- State + NCUA
- Established
- 1954
- Headquarters
- 1500 McCallie Ave, Chattanooga, TN 37404
- Employees
- 6
Quick answers
Epb Employees Credit Union: common questions
Is Epb Employees Credit Union NCUA insured?
Yes. Epb Employees Credit Union is a federally insured credit union (NCUA charter #60619). 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 Epb Employees Credit Union's TellerScore?
48 out of 100 (Below average), 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 Epb Employees Credit Union have?
4 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Chattanooga
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bcbst Employees Credit UnionCredit union Chattanooga, TN | 90 out of 100, Very strong | $8.3M | 25.6% | 0.11% | vs |
| Healthcare Services Credit UnionCredit union Chattanooga, TN | 87 out of 100, Very strong | $26.1M | 15.0% | 0.03% | vs |
| Walker County Educators Federal Credit UnionCredit union Chickamauga, GA | 87 out of 100, Very strong | $15.1M | 24.8% | 0.03% | vs |
| Chattanooga Federal Employees Credit UnionCredit union Chattanooga, TN | 85 out of 100, Very strong | $76.0M | 16.9% | 0.39% | vs |
| Tennessee Valley Federal Credit UnionCredit union Chattanooga, TN | 84 out of 100, Strong | $3.3B | 14.8% | 0.77% | vs |
| First National Community BankBank Chatsworth, GA | 84 out of 100, Strong | $754.7M | 12.9% | 0.43% | vs |