BCBST EMPLOYEES
Charter #67738 · CHATTANOOGA, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 21.49% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.12% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 0th percentile but its structural peers at the 51st — a 51-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BCBST EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.04M | 0th pct | 51th pct |
| Members | 1,558 | 26th pct | 74th pct |
| Net worth ratio | 21.49% | 89th pct | 75th pct |
| Return on average assets | 0.58% | 46th pct | 46th pct |
| Net interest margin | 3.77% | 46th pct | 69th pct |
| Cost of funds | 0.43% | 28th pct | 30th pct |
| Loan-to-share | 29.92% | 10th pct | 20th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.12% | 9th pct | 15th pct |
| Loan growth YoY | -13.43% | 2th pct | 18th pct |
| Share growth YoY | -5.52% | 3th pct | 5th pct |
| Efficiency ratio | 84.03% | 60th pct | 59th pct |
structural peer set hash: 9ffe46bba292a5bb57ef441e68ebc17f… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.