Calhoun, TN · State Credit Union · Chartered in TN
Who can join
State government employees (special charter)
Members
20,767
Net Worth Ratio
10.31%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$300.1M
Total Shares
$266.6M
Total Loans
$215.9M
Net Income
$965K
Net Worth Ratio
10.31%
≥7% = Well Capitalized
Members
20,767
Return on Assets
0.32%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.51%
$1.1M
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 62 | 25 | 7 | 40.3% | 11.3% |
| 2022 | 172 | 75 | 31 | 43.6% | 18.0% |
| 2021 | 142 | 90 | 21 | 63.4% | 14.8% |
No CFPB complaint data available for this credit union.
Calhoun Branch
5123 Highway 11 S, Calhoun, TN, 37309
Mon-Thurs 7:30am-4:00pm Friday 7:30am-5:30pm
Athens Branch
1112 Congress Pkwy S, Athens, TN, 37303-2404
Mon-Thurs 9:00-5:00 Friday 9:00-6:00
Hardwick Farms Branch
4531 Hardwick Farms Pkwy NE, Cleveland, TN, 37312-4073
Mon-Thurs 9:00-5:00 Friday 9:00-6:00
King St Branch
1040 King St SE, Cleveland, TN, 37311
9:00 - 5:00 M-Th9:00 - 6:00 F9:00 - 12:30 Sat
Keith St Branch
1007 Keith St NW, Cleveland, TN, 37311-4302
7:30 - 5:00 Mon-Friday Operations Center
Food City Athens Branch
105 S Hill St, Athens, TN, 37303
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<a href="https://bankscorer.com/credit-union/bowater-employees" target="_blank" rel="noopener">View BOWATER EMPLOYEES on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 81.0%· healthy range 60–80%
9am-6pm Monday - Friday 9am-2pm Saturday