Federal credit union · Kingsport, Tennessee · NCUA charter #24495
Appalachian Community
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $181.1M
- Total assets
- 12,361
- Members
- 10.7%
- Net-worth ratio
Appalachian Community scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $181.1M; members 12,361; net-worth ratio 10.74%; health rank #968 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#968 of 4,374 health · 2025Q4Appalachian Community · health 91/100 · $181.1M · 2025Q4
- PHOTO 91/100
- BOOK 10.7%
- CHARTER 0.26%
- NCUSIF 0.36%
- CAMELS $181.1M
- HEALTH 12,361
- NW #968/4,374
- DELQ First Central
- ROA 24495
Call Report peers
Appalachian Community in the assets neighbourhood
Appalachian Community's $181.1M assets sit next to First Central ($181.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Appalachian Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Appalachian Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24495: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Appalachian Community vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 93.66% vs peer 72.20% (+21.46 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.37 pp (10.74% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Appalachian Community in Tennessee
- Tennessee health ordinal: #32 of 127.
- Assets rank #31 of 127 inside Tennessee ($181.1M reported).
- Tennessee membership ordinal: #31 of 127.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Appalachian Community: 2025Q4 → 2026Q1
Appalachian Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $181.1M (2025Q4) to $183.7M (2026Q1).
- Net-worth ratio shifted -0.20 pp (10.94% → 10.74%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.74%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.9 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 13.4 pts
Appalachian Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.74% | -1.37 pp |
| Delinquency Rate | 0.26% | -0.63 pp |
| Return on Assets | 0.36% | -0.26 pp |
| Member Growth | 0.61% | - |
| Loan-to-Share Ratio | 93.66% | +21.46 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Appalachian Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $183.7M | - |
| 2025Q4 | $181.1M | 12,361 |
| 2024Q4 | $169.2M | 12,286 |
| 2023Q4 | $165.8M | 12,350 |
Credit Union Details
- Charter Number
- 24495
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- Kingsport
- Data Quarter
- 2025Q4
Branch Locations (6)
Appalachian Community operates 6 offices across 5 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Appalachian Community FCU (Main Office) | Kingsport, TN |
| Church Hill | Church Hill, TN |
| Johnson City Br | Johnson City, TN |
| East Stone Drive Br | Kingsport, TN |
| Norton Virginia Br | Norton, VA |
| Rogersville Br | Rogersville, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
Other federally-insured credit unions in Tennessee, closest first by peer group and asset size.
Appalachian Community nationwide neighbourhoods
Two NCUA Call Report peer sets for Appalachian Community, both outside Tennessee so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($181.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Appalachian Community ranks #968 of 4,374 nationally on financial health and #32 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northeast Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northeast Community
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Appalachian Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Appalachian Community carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #968 of 4,374; by total assets it ranks #1,354 of 4,374 nationally (same basis as /rankings/largest); and #31 of 127 within Tennessee. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.74% net worth ratio and a 0.26% delinquency rate.
How does Appalachian Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Appalachian Community's 91/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Appalachian Community?
Appalachian Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Appalachian Community directly for the exact boundaries and application steps.
Is my money safe at Appalachian Community?
Federal credit unions like Appalachian Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Appalachian Community's net worth ratio of 10.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Appalachian Community offer compared to banks?
Credit unions like Appalachian Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Appalachian Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.