Credit Union Safety Analysis
Is Bowater Employees Credit Union Safe? Calhoun, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Bowater Employees Credit Union has a net worth ratio of 10.77%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.74%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Bowater Employees Credit Union's net worth ratio is 10.77%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.77%
- Delinquency ratio (60+ days) (Q2 2026): 0.74%
- Return on assets (Q2 2026): 2.20%
- Loan-to-share ratio (Q2 2026): 81.24%
Bowater Employees Credit Union (NCUA charter 67970) reported $302.6M in assets and 20,903 members for Q2 2026 from Calhoun, Tennessee. It ranks 24 of 123 credit unions in Tennessee by total assets. Total assets fell 2.8% from $311.4M on June 30, 2025. It has 389 more members than on June 30, 2025 (+1.9%). Its net worth ratio was up 1.83 percentage points from 8.94% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $109.9M of $217.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.74% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.31% for Q1 2026; 8.94% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.58% for Q1 2026; 0.70% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.29% for Q1 2026; 1.39% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 80.99% for Q1 2026; 71.93% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $109.9M
- Used vehicle loans: $50.6M
- New vehicle loans: $21.3M
- Other secured non-real estate loans and lines of credit: $16.9M
- Other unsecured loans and lines of credit: $16.5M
- Unsecured credit card loans: $2.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $302.6M | 10.77% | 0.74% | 2.20% | 81.24% |
| March 31, 2026 | $300.1M | 10.31% | 0.58% | 1.29% | 80.99% |
| December 31, 2025 | $296.3M | 10.12% | 0.85% | 1.71% | 76.76% |
| September 30, 2025 | $299.4M | 9.63% | 0.89% | 1.34% | 76.43% |
| June 30, 2025 | $311.4M | 8.94% | 0.70% | 1.39% | 71.93% |
| March 31, 2025 | $316.8M | 8.44% | 0.60% | -0.04% | 70.81% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Bowater Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 67970) · FFIEC NIC profile (RSSD 520898)
Frequently asked questions
Is Bowater Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Bowater Employees Credit Union's net worth ratio is 10.77%, above the 7% NCUA threshold for well capitalized.
Is Bowater Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Bowater Employees Credit Union is a federally insured credit union (NCUA charter 67970): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Bowater Employees Credit Union's key safety ratios?
For Q2 2026, Bowater Employees Credit Union reports net worth 10.77%, delinquency 0.74%, ROA 2.20%, loan-to-share 81.24%.
What happens to my money if Bowater Employees Credit Union fails?
For Q2 2026, Bowater Employees Credit Union held $267.9M in shares and deposits for 20,903 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.