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BOWATER EMPLOYEES

Calhoun, TN · State Credit Union · Chartered in TN

LICUWell Capitalized

Who can join

State government employees (special charter)

Charter #67970Est. 1954RSSD: 520898

Members

20,767

Net Worth Ratio

10.31%

min. 7% = Well Capitalized

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.

At a Glance

Total Assets

$300.1M

Peer Group 5

Members

20,767

as of latest quarter

Net Worth Ratio

10.31%

Well Capitalized

Institution Profile

NCUA

Address

Po Box 359, Calhoun, TN 37309-0359

Chartered

1954

Branch Locations

6 locations

Membership Eligibility

State government employees (special charter)

Financial Snapshot

As of Q1 2026NCUA 5300 Call Report

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

Loan-to-share ratio: 81.0%· healthy range 60–80%

Branch Locations

NCUA

Calhoun Branch

5123 Highway 11 S, Calhoun, TN, 37309

Mon-Thurs 7:30am-4:00pm Friday 7:30am-5:30pm

MainATMDrive-thru

Athens Branch

1112 Congress Pkwy S, Athens, TN, 37303-2404

Mon-Thurs 9:00-5:00 Friday 9:00-6:00

ATMDrive-thru

Hardwick Farms Branch

4531 Hardwick Farms Pkwy NE, Cleveland, TN, 37312-4073

Mon-Thurs 9:00-5:00 Friday 9:00-6:00

ATMDrive-thru

King St Branch

1040 King St SE, Cleveland, TN, 37311

9:00 - 5:00 M-Th9:00 - 6:00 F9:00 - 12:30 Sat

ATMDrive-thru

Keith St Branch

1007 Keith St NW, Cleveland, TN, 37311-4302

7:30 - 5:00 Mon-Friday Operations Center

ATM

Food City Athens Branch

105 S Hill St, Athens, TN, 37303

9am-6pm Monday - Friday 9am-2pm Saturday

ATM

Mortgage Lending (HMDA)

CFPB HMDA

Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.

Consumer Complaints

CFPB / NCUA

No CFPB complaint data available for this credit union.

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Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.