Credit union · NCUA insured
BCBST Employee CU
A $10M credit union headquartered in Chattanooga, TN, with 1,558 members and 1 branch in Tennessee. Best rates: CDs 4.16% and savings 0.20% APY.
BCBST Employee CU Carrot Score
67
Carrot Score
Higher than 18% of U.S. banks and credit unions
#19 of 28 in Chattanooga, TN-GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About BCBST Employee CU
BCBST Employee CU is based in Chattanooga, Tennessee, and has proudly served BlueCross BlueShield of Tennessee employees for over 50 years.
- Headquarters
- 1 Cameron Hill Cir, Chattanooga, TN 37402
- NCUA charter
- 67738
Branches
1 branch in Tennessee
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Tennessee
1 branch
- Cameron HillMain office1 Cameron Hill Cir, Chattanooga, TN 37402Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 25.64% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.11% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.74% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $31 | $59 | — |
- CapitalNet worth ratio25.64%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.11%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.74%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$31Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of BCBST Employee CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.