State credit union · CLEVELAND, Tennessee · NCUA charter #67976
APPLIANCE
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $15.9M
- Total assets
- 1,980
- Members
- 10.3%
- Net-worth ratio
APPLIANCE scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.9M; members 1,980; net-worth ratio 10.33%; health rank #3,602 of 4,374; healthier than 17th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,602 of 4,374 health · 2025Q4APPLIANCE · health 70/100 · $15.9M · 2025Q4
- HEALTH 70/100
- NW 10.3%
- DELQ 0.66%
- ROA -0.13%
- ASSETS $15.9M
- MEM 1,980
- RANK #3,602/4,374
- PHOTO Division #6 Highway
- BOOK 67976
Call Report peers
APPLIANCE in the assets neighbourhood
APPLIANCE's $15.9M assets sit next to Division #6 Highway ($15.9M) 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.
APPLIANCE 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
70 17th percentile higher than 17% 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
APPLIANCE - Share Insurance Coverage
Charter #67976's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where APPLIANCE diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.66% vs peer 1.15% (-0.49 pp).
- Largest lag: Loan-to-Share Ratio at 35.24% vs peer 59.80% (-24.56 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
APPLIANCE in Tennessee
- In Tennessee, health place is #111 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, APPLIANCE is #96 of 127 in Tennessee.
- Membership ranks #86 of 127 among Tennessee CUs with a reported count (1,980 members).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
APPLIANCE: 2025Q4 → 2026Q1
APPLIANCE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.7% from $15.9M (2025Q4) to $17.2M (2026Q1).
- Net-worth ratio shifted -0.75 pp (11.08% → 10.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.33% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.4 pts
- Return on Assets 3.4 pts
- Member Growth 4.0 pts
- Loan-to-Share Ratio 9.2 pts
Call Report ratios for APPLIANCE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.33% | -4.53 pp |
| Delinquency Rate | 0.66% | -0.49 pp |
| Return on Assets | -0.13% | -0.83 pp |
| Member Growth | -2.80% | - |
| Loan-to-Share Ratio | 35.24% | -24.56 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - APPLIANCE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.2M | - |
| 2025Q4 | $15.9M | 1,980 |
| 2024Q4 | $15.6M | 2,037 |
| 2023Q4 | $16.2M | 2,091 |
Credit Union Details
- Charter Number
- 67976
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- CLEVELAND
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for APPLIANCE, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| APPLIANCE CREDIT UNION (Main Office) | CLEVELAND, TN |
| JACK HENRY AND ASSOC | BIRMINGHAM, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
Cross-state Call Report peers for APPLIANCE
Cross-state asset and health neighbours for APPLIANCE - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($15.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- APPLIANCE ranks #3,602 of 4,374 nationally on financial health and #111 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tennessee River is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tennessee River
- 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 APPLIANCE financially healthy?
Yes/no aside, the number is 70/100 (Very Good) - APPLIANCE's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,602 of 4,374; by total assets it ranks #3,293 of 4,374 nationally (same basis as /rankings/largest); and #96 of 127 within Tennessee. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.33% net worth ratio and 0.66% delinquency rate are the key drivers.
How does APPLIANCE compare to other credit unions?
On PlainCU's health composite, APPLIANCE lands at 70/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 APPLIANCE?
Membership eligibility for APPLIANCE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact APPLIANCE directly for current membership requirements and application steps.
Is my money safe at APPLIANCE?
Federal credit unions like APPLIANCE 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. APPLIANCE's net worth ratio of 10.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does APPLIANCE offer compared to banks?
Credit unions like APPLIANCE 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 APPLIANCE 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.