Federal credit union · Erwin, Tennessee · NCUA charter #5549
CLINCHFIELD
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $134.9M
- Total assets
- 6,522
- Members
- 12.3%
- Net-worth ratio
CLINCHFIELD scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $134.9M; members 6,522; net-worth ratio 12.34%; health rank #1,105 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,105 of 4,374 health · 2025Q4CLINCHFIELD · health 90/100 · $134.9M · 2025Q4
- ASSETS 90/100
- MEM 12.3%
- RANK 0.64%
- PHOTO 0.65%
- BOOK $134.9M
- CHARTER 6,522
- NCUSIF #1,105/4,374
- CAMELS AURORA
- HEALTH 5549
Call Report peers
CLINCHFIELD in the assets neighbourhood
CLINCHFIELD's $134.9M assets sit next to AURORA ($134.9M) 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.
CLINCHFIELD 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
90 Top 27% higher than 73% 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
CLINCHFIELD - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #5549 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where CLINCHFIELD diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.26 pp (0.64% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -18.54 pp (53.66% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CLINCHFIELD: in-state Call Report ranks
- Health composite ranks #38 of 127 among scored Tennessee credit unions.
- Tennessee assets place: #36 of 127.
- Tennessee membership ordinal: #46 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.
How CLINCHFIELD's 5300 filing moved
CLINCHFIELD: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $134.9M (2025Q4) to $138.5M (2026Q1).
- Net-worth ratio shifted -0.10 pp (12.44% → 12.34%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.34% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.6 pts
- Return on Assets 15.0 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 11.7 pts
CLINCHFIELD vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.34% | +0.23 pp |
| Delinquency Rate | 0.64% | -0.26 pp |
| Return on Assets | 0.65% | +0.03 pp |
| Member Growth | 0.62% | - |
| Loan-to-Share Ratio | 53.66% | -18.54 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).
Call Report history - CLINCHFIELD
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $138.5M | - |
| 2025Q4 | $134.9M | 6,522 |
| 2024Q4 | $127.4M | 6,482 |
| 2023Q4 | $121.6M | 6,452 |
Credit Union Details
- Charter Number
- 5549
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- Erwin
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, CLINCHFIELD runs one office.
| Office | City |
|---|---|
| Main Branch (Main Office) | Erwin, 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.
Other-state peers near CLINCHFIELD
Cross-state asset and health neighbours for CLINCHFIELD - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($134.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- CLINCHFIELD ranks #1,105 of 4,374 nationally on financial health and #38 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRUST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRUST
- 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 CLINCHFIELD financially healthy?
CLINCHFIELD has a financial health score of 90/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,105 of 4,374; by total assets it ranks #1,575 of 4,374 nationally (same basis as /rankings/largest); and #36 of 127 within Tennessee. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.34% and delinquency rate of 0.64%.
How does CLINCHFIELD compare to other credit unions?
CLINCHFIELD scores 90/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 CLINCHFIELD?
CLINCHFIELD 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 CLINCHFIELD directly for the exact boundaries and application steps.
Is my money safe at CLINCHFIELD?
Federal credit unions like CLINCHFIELD 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. CLINCHFIELD's net worth ratio of 12.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CLINCHFIELD offer compared to banks?
Credit unions like CLINCHFIELD 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 CLINCHFIELD 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.