HIWASSEE RIVER
State-Chartered • CHARLESTON, Tennessee • Est. 1969
Quick Facts
- Charter Number
- #67946
- Type
- State-Chartered
- Established
- 1969
- Headquarters
- CHARLESTON, Tennessee 37310
- Address
- PO BOX 828
- Branches
- 3
- ATMs
- 2
- Members
- 1,962
- 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
1,962 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HIWASSEE RIVER |
|---|---|
| Total Assets | $26.9M |
| Members | 1,962 |
| Loans Outstanding | $12.4M |
| Shares & Deposits | $23.8M |
| Net Worth | $3.0M |
| Net Worth Ratio | 10.99% |
| Loan-to-Share Ratio | 51.9% |
| Delinquency Rate | 0.21% |
| Net Income | +$178,500 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 2 ATMs
Hiwassee River Credit Union
Main Office1186 Old Lower River Rd NW
Charleston, TN 37310
Bowater Employees Credit Union
454 Highway 163
Calhoun, TN 37309
SouthEast Bank
3475 Keith St NW
Cleveland, TN 37312
Who Can Join HIWASSEE RIVER?
Membership Type: Community
Membership eligibility for HIWASSEE RIVER may vary. Contact the credit union directly to confirm qualification requirements.
Contact HIWASSEE RIVER directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Tennessee
Browse all federally insured credit unions in Tennessee, ranked by assets, members, and financial health score.
View Tennessee RankingsFrequently Asked Questions
Yes. HIWASSEE RIVER 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, HIWASSEE RIVER has 1,962 members and a potential membership field of 5,000 people.
HIWASSEE RIVER's net worth ratio is 10.99% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.0%, HIWASSEE RIVER meets this threshold.
HIWASSEE RIVER operates 3 branch locations and has access to 2 ATMs. The main office is located at 1186 Old Lower River Rd NW, Charleston, TN 37310.
HIWASSEE RIVER was established in 1969. It is a state-chartered credit union chartered under charter number 67946. The institution has been serving members for 57 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HIWASSEE RIVER. All financial data is for informational purposes only.