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
Call Report peers
APPLIANCE in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); APPLIANCE sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Tennessee, COMTRUST (#110) ties at 70/100; one place down, SKYLINE (#112) scores 68/100, 2 points lower.
APPLIANCE: 2025Q4 → 2026Q1
APPLIANCE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.7% from $15.9M (2025Q4) to $17.2M (2026Q1).
- Net-worth ratio shifted -0.75 pp (11.08% → 10.33%).
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
APPLIANCE gives up 30 points in total. Return on Assets costs the most, 11.6 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is APPLIANCE financially healthy?
APPLIANCE has a financial health score of 70/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,602 of 4,374 nationally on health and #111 of 127 in Tennessee. Its net worth ratio is 10.33% and its delinquency rate 0.66%.
How does APPLIANCE compare to other credit unions?
APPLIANCE scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.66% vs 1.15%). Its widest shortfall is loan-to-share ratio (35.24% vs 59.80%).
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?
APPLIANCE is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.