Epb Employees
Chattanooga, TN · Charter 60619 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$43.3MAssets
$15.8MLoans
$38.5MShares
$5.0MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 67% of credit unions under $1B in assets (rank 560 of 1682).
- Widest gap: nonperforming loans / loans trails 99% of credit unions under $1B in assets (rank 1667 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.58%
Rank 1,036 of 1,683
Net Interest Margin
3.01%
Rank 1,453 of 1,683
Efficiency Ratio
72.41%
Rank 560 of 1,682
Equity / Assets
11.63%
Rank 1,055 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.35% | 0.74% | 1.18% | Beats 38% | 1,036 / 1,683 | |
| Return on Equity | 5.00% | 2.67% | 5.89% | 8.74% | Beats 43% | 958 / 1,681 | |
| Net Interest Margin | 3.01% | 3.31% | 3.82% | 4.32% | Beats 14% | 1,453 / 1,683 | |
| Efficiency Ratio | 72.41% | 68.91% | 78.20% | 86.93% | Beats 67% | 560 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 8.72% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,667 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.63% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,055 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.63% | 10.44% | 12.89% | 16.53% | Beats 37% | 1,055 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 41.11% | 52.61% | 69.38% | 83.50% | 12th pctl | 1,480 / 1,683 | |
| Loans / Assets | 36.48% | 44.71% | 59.18% | 70.72% | 15th pctl | 1,434 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |