Bcbst Employees

CHATTANOOGA, TN · 2 · Charter #67738 · www.bcbstecu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$10.3M
42th percentile
Members
1,736
59th percentile
Total loans
$2.7M
28th percentile
Total shares
$8.1M
42th percentile

Profitability

Return on assets
0.90%
54th percentile
Net interest margin
3.85%
45th percentile
Efficiency ratio
75.12%
33th percentile
Non-interest income ratio
17.44%
77th percentile

Capital & Risk

Net worth ratio
20.71%
76th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.66%
26th percentile
Loan-to-share
32.90%
14th percentile

Growth

Member growth YoY
-10.24%
5th percentile
Asset growth YoY
-1.95%
30th percentile
Loan growth YoY
-14.39%
13th percentile
Share growth YoY
-3.41%
27th percentile

Operations

Members / branch
1,736
71th percentile
Assets / member
$5,934
23th percentile
Field of membership penetration
27.60%
41th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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