Epb Employees

CHATTANOOGA, TN · 2 · Charter #60619 · www.epbecu.org
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
$40.0M
90th percentile
Members
2,483
76th percentile
Total loans
$16.3M
81th percentile
Total shares
$32.8M
88th percentile

Profitability

Return on assets
0.64%
42th percentile
Net interest margin
3.00%
19th percentile
Efficiency ratio
55.62%
75th percentile
Non-interest income ratio
8.00%
45th percentile

Capital & Risk

Net worth ratio
10.37%
18th percentile
Delinquency rate
3.17%
14th percentile
Net charge-off rate
0.58%
29th percentile
Loan-to-share
49.61%
34th percentile

Growth

Member growth YoY
-0.88%
56th percentile
Asset growth YoY
3.28%
64th percentile
Loan growth YoY
-4.86%
42th percentile
Share growth YoY
6.51%
82th percentile

Operations

Members / branch
1,242
56th percentile
Assets / member
$16,126
89th percentile
Field of membership penetration
80.10%
91th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

Want the full picture for Epb Employees?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo