Chattanooga, Tennessee · Peer group 3
Epb Employees Credit Union
Epb Employees Credit Union holds $39.0M in assets across 2,486 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1954. Charter number 60619, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $39.0M |
|---|---|
| Total loans | $15.6M |
| Total shares (deposits) | $35.0M |
| Net worth | $4.2M |
| Members | 2,486 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -0.3% | |
|---|---|---|
| Loans | -4.0% | around the 41st percentile of its peer group |
| Deposits | 0.4% | around the 44th percentile of its peer group |
| Members | -1.0% | around the 56th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 44.5% | around the 27th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.8% | around the 24th percentile of its peer group |
| Return on assets | 0.34% | around the 33rd percentile of its peer group |
| Delinquency ratio | 4.93% | higher than 98% of its peer group |
| Cash / assets | 8.1% | around the 32nd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Epb Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Tennessee — the comparison set a peer ratio is measured against.
- St. Thomas Credit Union
Nashville, TN
$38.3M · 2,417 members
- Nashville Firemen's Credit Union
NASHVILLE, TN
$37.9M · 3,230 members
- M.P.D. Community Credit Union
Nashville, TN
$40.3M · 2,953 members
- Knoxville Law Enforcement Credit Union
Knoxville, TN
$40.7M · 1,666 members
- Knoxville Firefighters Credit Union
Knoxville, TN
$36.7M · 1,851 members
- Happy Valley Credit Union
ELIZABETHTON, TN
$36.4M · 3,228 members
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