B
BCBST Employees Credit Union
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings BCBST Employees Credit Union
Chattanooga, TN
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Rating B
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 6.90
Profitability Index 2.50
Stability Index 6.90
Company Info BCBST Employees Credit Union
Chattanooga, TN
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NCUA Charter Number 5941
Phone Number (423) 535-6103
Website www.bcbstecu.com
Asset Quality BCBST Employees Credit Union
Chattanooga, TN
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1-Year Asset Growth -4.04%
5-Year Asset Growth -0.31%
5-Year Charge-Offs to Average Loans 0.25%
Charge-Offs to Average Loans 0.37%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet BCBST Employees Credit Union
Chattanooga, TN
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Total Assets 10.47M
Total Deposits 8.30M
Capital and Reserves BCBST Employees Credit Union
Chattanooga, TN
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Capital 2.11M
Leverage Ratio 20.13
Loan Loss Reserves to Loans 1.18%
Liquidity BCBST Employees Credit Union
Chattanooga, TN
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Hot Money Ratio 0.00%
Liquidity Ratio 70.53%
Profitability BCBST Employees Credit Union
Chattanooga, TN
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5-Year Return on Average Assets -0.07%
Net Income 57.00K
Net Interest Spread 4.30%
Operating Profit to Average Assets 0.71%
Overhead Efficiency Ratio 84.30%
Return on Assets 0.71%
Return on Equity 3.66%