Sep, 30, 2025 — EPB EMPLOYEES CREDIT UNION is a federally insured state chartered credit union headquartered in CHATTANOOGA, TN with 2 branch locations and about $39.26 million in total assets. Opened 72 years ago in 1954, EPB EMPLOYEES CREDIT UNION has about 2,498 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | EPB EMPLOYEES CREDIT UNION |
|---|---|
| Address: (Main Office) | 1500 McCallie Ave CHATTANOOGA, TN 37404-2937 |
| Phone: | (423) 648-3413 |
| Fax: | (423) 698-2912 |
| Website: | https://www.epbecu.org |
| Branches: | 2 branch locations |
| Members: | 2,498 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 60619 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1954 |
| Last Audited: | Dec 01, 2023 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $39,260,168 |
| CEO/Manager: | Jerry B Trotter |
| Chairperson: | Dale McLeod |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,173,960 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 8,055,186 |
| Unsecured Loans | 1,092,623 |
| Other Loans | 7,123,909 |
| TOTAL LOANS | 16,271,718 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -157,834 |
| Land And Building | 301,022 |
| Other Fixed Assets | 13,678 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 338,812 |
| All Other Assets | 39,995 |
| TOTAL ASSETS | 39,260,168 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 58,363 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 256,954 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 6,581,479 |
| Regular shares | 13,081,569 |
| All Other Shares & Deposits | 15,199,495 |
| TOTAL SHARES & DEPOSITS | 34,862,543 |
| TOTAL LIABILITIES | 35,177,860 |
| Regular Reserve | 0 |
| Other Reserves | 731,688 |
| Undivided Earnings | 3,350,620 |
| TOTAL EQUITY | 4,082,308 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 39,260,168 |
| INCOME & EXPENSE | |
| Loan Income | 803,770 |
| Investment Income | 540,441 |
| Other Income | 59,917 |
| Total Employee Compensation & Benefits | 403,616 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 414,717 |
| Non-operating Income & (Expense) | 4,509 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 114,589 |
| Cost of Funds | 467,056 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 64,723 |
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