State credit union · Kingsport, Tennessee · NCUA charter #68095
Eastman
Health score 97/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $9.91B
- Total assets
- 355,885
- Members
- 14.3%
- Net-worth ratio
Eastman - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68095: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Eastman - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth88
- Liquidity (loan-to-share)90
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.25% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.25% | 30% |
| Delinquency Rate | 0.28% | 25% |
| Return on Assets | 1.34% | 15% |
| Member Growth | 3.53% | 15% |
| Loan-to-Share Ratio | 93.20% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $9.91B | 355,885 |
| 2024Q4 | $9.10B | 343,751 |
| 2023Q4 | $8.02B | 324,672 |
Credit Union Details
- Charter Number
- 68095
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Tennessee
- City
- Kingsport
- Data Quarter
- 2025Q4
What This Data Says About Eastman
Charter #68095, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Eastman, a state credit union in Kingsport, Tennessee with 355,885 members, $9.91B in total assets, and $7.83B in outstanding loans as of Q4 2025. The five-factor composite scores it 97/100 (Excellent), helped by a net worth ratio of 14.25% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.28% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 93.20% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.34% on net income of $133.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.53%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Eastman financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Eastman carries a financial health score of 97/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.25% net worth ratio and a 0.28% delinquency rate.
How does Eastman compare to other credit unions?
Eastman scores 97/100 on PlainCU's health composite, compared to a peer group average for Over $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 Eastman?
Membership eligibility for Eastman depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Eastman directly for current membership requirements and application steps.
Is my money safe at Eastman?
Federal credit unions like Eastman 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. Eastman's net worth ratio of 14.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Eastman offer compared to banks?
Credit unions like Eastman 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 Eastman directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.