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
Call Report peers
CLINCHFIELD in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); CLINCHFIELD sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Tennessee, Johnsonville Tva Employees (#37) ties at 90/100; one place down, Old Hickory (#39) ties at 90/100.
How CLINCHFIELD's 5300 filing moved
CLINCHFIELD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $134.9M (2025Q4) to $138.5M (2026Q1).
- Net-worth ratio shifted -0.10 pp (12.44% → 12.34%).
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
CLINCHFIELD gives up 10 points in total. Member Growth costs the most, 5.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is CLINCHFIELD financially healthy?
CLINCHFIELD has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,105 of 4,374 nationally on health and #38 of 127 in Tennessee. Its net worth ratio is 12.34% and its delinquency rate 0.64%.
How does CLINCHFIELD compare to other credit unions?
CLINCHFIELD scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.64% vs 0.89%). Its widest shortfall is loan-to-share ratio (53.66% vs 72.20%).
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?
CLINCHFIELD is a federal 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. CLINCHFIELD's net worth ratio of 12.34% 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.