Charter 67970 · Calhoun, TN
Bowater Employees Credit Union
Bowater Employees Credit Union is a state-chartered credit union in Calhoun, Tennessee, with $303 million in assets and 20,903 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.77%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $303 million
- -2.8% in a year
- Members
- 20,903
- +1.9% in a year
- Net worth ratio
- 10.77%
- Peer median 11.65%
- Loans 60+ days late
- 0.74%
- Peer median 0.70%
- Loans outstanding
- $218 million
- +7.7% in a year
- Shares and deposits
- $268 million
- -4.7% in a year
- Branches
- 6
- 71 employees
- Opened
- 1954
- Tennessee charter
How Bowater Employees Credit Union compares
NCUA groups credit unions by size; Bowater Employees Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.77% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.74%, is about the same as the group median of 0.70%. Loans grew 7.7% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 24 of 125 credit unions headquartered in Tennessee. See all Tennessee credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $303 million | 20,903 | $218 million | 10.77% | 0.74% |
| Q1 2026 | $300 million | 20,767 | $216 million | 10.31% | 0.58% |
| Q4 2025 | $296 million | 20,680 | $202 million | 10.12% | 0.85% |
| Q3 2025 | $299 million | 20,571 | $205 million | 9.63% | 0.89% |
| Q2 2025 | $311 million | 20,514 | $202 million | 8.94% | 0.70% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 241,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for Bowater Employees Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Calhoun Branch (main office)
5123 Highway 11 S, Calhoun, TN 37309 - Athens Branch
1112 Congress Pkwy S, Athens, TN 37303 - Hardwick Farms Branch
4531 Hardwick Farms Pkwy Ne, Cleveland, TN 37312 - King St Branch
1040 King St Se, Cleveland, TN 37311 - Keith St Branch
1007 Keith St Nw, Cleveland, TN 37311 - Food City Athens Branch
105 S Hill St, Athens, TN 37303
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology