Bowater Employees

Calhoun, TN · 2 · Charter #67970 · www.bowaterecu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$296.3M
14th percentile
Members
20,680
27th percentile
Total loans
$202.3M
20th percentile
Total shares
$263.6M
18th percentile

Profitability

Return on assets
1.70%
88th percentile
Net interest margin
4.22%
89th percentile
Efficiency ratio
52.12%
76th percentile
Non-interest income ratio
18.75%
48th percentile

Capital & Risk

Net worth ratio
10.12%
37th percentile
Delinquency rate
0.85%
38th percentile
Net charge-off rate
0.46%
45th percentile
Loan-to-share
76.76%
40th percentile

Growth

Member growth YoY
2.40%
72th percentile
Asset growth YoY
-2.64%
7th percentile
Loan growth YoY
6.19%
61th percentile
Share growth YoY
-4.00%
3th percentile

Operations

Members / branch
3,447
24th percentile
Assets / member
$14,326
33th percentile
Field of membership penetration
8.58%
69th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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