BOWATER EMPLOYEES
State-Chartered • Calhoun, Tennessee • Est. 1954
Quick Facts
- Charter Number
- #67970
- Type
- State-Chartered
- Established
- 1954
- Headquarters
- Calhoun, Tennessee 37309
- Address
- 5123 Highway 11 S
- Branches
- 6
- ATMs
- 6
- Members
- 20,767
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
20,767 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | BOWATER EMPLOYEES |
|---|---|
| Total Assets | $300.1M |
| Members | 20,767 |
| Loans Outstanding | $215.9M |
| Shares & Deposits | $266.6M |
| Net Worth | $30.9M |
| Net Worth Ratio | 10.31% |
| Loan-to-Share Ratio | 81.0% |
| Delinquency Rate | 0.58% |
| Net Income | +$965,247 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Tennessee
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Tennessee RankingsFrequently Asked Questions
BOWATER EMPLOYEES is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, BOWATER EMPLOYEES has 20,767 members and a potential membership field of 241,000 people.
BOWATER EMPLOYEES's reported net worth ratio is 10.31% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or BOWATER EMPLOYEES. All financial data is for informational purposes only.