BOWATER EMPLOYEES
State-Chartered • Calhoun, Tennessee • Est. 1954
Quick Facts
- Charter Number
- #67970
- Type
- State-Chartered
- Established
- 1954
- Headquarters
- Calhoun, Tennessee 37309-0359
- Address
- PO Box 359
- Branches
- 6
- ATMs
- 6
- Members
- 20,680
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
20,680 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | BOWATER EMPLOYEES |
|---|---|
| Total Assets | $296.3M |
| Members | 20,680 |
| Loans Outstanding | $202.3M |
| Shares & Deposits | $263.6M |
| Net Worth | $30.0M |
| Net Worth Ratio | 10.12% |
| Loan-to-Share Ratio | 76.8% |
| Delinquency Rate | 0.85% |
| Net Income | +$5,032,458 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 6 ATMs
Calhoun Branch
Main Office5123 Highway 11 S
Calhoun, TN 37309
Athens Branch
1112 Congress Pkwy S
Athens, TN 37303-2404
Hardwick Farms Branch
4531 Hardwick Farms Pkwy NE
Cleveland, TN 37312-4073
King St Branch
1040 King St SE
Cleveland, TN 37311
Keith St Branch
1007 Keith St NW
Cleveland, TN 37311-4302
Who Can Join BOWATER EMPLOYEES?
Membership Type: Community
Membership eligibility for BOWATER EMPLOYEES may vary. Contact the credit union directly to confirm qualification requirements.
Contact BOWATER EMPLOYEES directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Tennessee RankingsFrequently Asked Questions
Yes. BOWATER EMPLOYEES is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, BOWATER EMPLOYEES has 20,680 members and a potential membership field of 241,000 people.
BOWATER EMPLOYEES's net worth ratio is 10.12% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.1%, BOWATER EMPLOYEES meets this threshold.
BOWATER EMPLOYEES operates 6 branch locations and has access to 6 ATMs. The main office is located at 5123 Highway 11 S, Calhoun, TN 37309.
BOWATER EMPLOYEES was established in 1954. It is a state-chartered credit union chartered under charter number 67970. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or BOWATER EMPLOYEES. All financial data is for informational purposes only.