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credit union

Epb Employees

Chattanooga, TN · Est. 1954
B
Trust Grade
Strong
Score: 88/100

Epb Employees is a credit union based in Chattanooga, Tennessee, established in 1954, with $39 million in total assets serving 2,486 members. By Trust Grade it ranks 88th of 126 credit unions we track in Tennessee. Its net worth ratio of 10.8% trails most similarly sized credit unions (23th percentile), versus a Tennessee median of 13.9%. It was profitable over the most recent period, with a 0.34% return on assets. No consumer complaints against Epb Employees appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$39.0M
<$100M institution
Members
2,486
Shares & deposits
Net worth ratio
10.8%
Bottom 23% of <$100M peers · Tennessee median 13.9%
Return on assets
0.3%
Bottom 37% of <$100M peers · Tennessee median 0.7%
Rank in Tennessee
#88
of 126 credit unions

How Epb Employees compares to Tennessee peers

Net worth ratio
Bottom 23% of <$100M peers
Epb Employees
10.8%
Tennessee median
13.9%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 37% of <$100M peers
Epb Employees
0.3%
Tennessee median
0.7%
Higher ROA = more profitable relative to asset base

How we graded Epb Employees

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
88/100
Customer experience
n/a
Overall
B · 88
  • Well-capitalized (10.8% capital ratio)
  • Profitable (ROA 0.34%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Epb Employees over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Epb Employees insured?

Yes. Epb Employees is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Epb Employees: frequently asked questions

Is Epb Employees a good credit union?

Epb Employees earns a Bankzia Trust Grade of B (88/100, "Strong"), based on a financial-strength score of 88/100 (it has no CFPB complaints on record). Well-capitalized (10.8% capital ratio); Profitable (ROA 0.34%).

Is Epb Employees NCUA-insured?

Yes. Epb Employees is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Epb Employees?

Epb Employees holds $39 million in total assets, ranking 88th of 126 credit unions we track in Tennessee. It serves 2,486 members.

Does Epb Employees have CFPB complaints?

No CFPB complaints against Epb Employees appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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