State credit union · Kingsport, Tennessee · NCUA charter #68095
EASTMAN
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $9.91B
- Total assets
- 355,885
- Members
- 14.4%
- Net-worth ratio
EASTMAN scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.91B; members 355,885; net-worth ratio 14.38%; health rank #157 of 4,374; healthier than 95th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#157 of 4,374 health · 2025Q4EASTMAN · health 97/100 · $9.91B · 2025Q4
- PHOTO 97/100
- BOOK 14.4%
- CHARTER 0.28%
- NCUSIF 1.34%
- CAMELS $9.91B
- HEALTH 355,885
- NW #157/4,374
- DELQ ESL
- ROA 68095
EASTMAN in the assets neighbourhood
EASTMAN's $9.91B assets sit next to ESL ($9.89B) 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.
EASTMAN 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
97 Top 5% higher than 95% 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
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.
Where EASTMAN diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +9.30 pp (93.20% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Tennessee standing for EASTMAN
- Tennessee health ordinal: #8 of 127.
- Assets rank #1 of 127 inside Tennessee ($9.91B reported).
- Membership ranks #1 of 127 among Tennessee CUs with a reported count (355,885 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.
Quarter path for EASTMAN
EASTMAN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $9.91B (2025Q4) to $10.14B (2026Q1).
- Net-worth ratio shifted +0.11 pp (14.27% → 14.38%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.2 pts
- Loan-to-Share Ratio 13.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.38% | +3.20 pp |
| Delinquency Rate | 0.28% | -0.59 pp |
| Return on Assets | 1.34% | +0.84 pp |
| Member Growth | 3.53% | - |
| Loan-to-Share Ratio | 93.20% | +9.30 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - EASTMAN
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.14B | - |
| 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
Branch Locations (30)
Per its most recent NCUA branch filing, EASTMAN runs 30 offices in 16 different cities across 3 states.
| Office | City |
|---|---|
| MeadowView (Main Office) | Kingsport, TN |
| Abingdon Meadows | Abingdon, VA |
| Blountville | Blountville, TN |
| Volunteer Parkway | Bristol, TN |
| Lee Highway | Bristol, VA |
| Duffield | Duffield, VA |
| West Elk | Elizabethton, TN |
| Gate City | Gate City, VA |
| Gray | Gray, TN |
| Greeneville | Greeneville, TN |
| Greeneville Towne Crossing | Greeneville, TN |
| Hallsville | Hallsville, TX |
| Broyles Drive | Johnson City, TN |
| State of Franklin | Johnson City, TN |
| Market Corner | Johnson City, TN |
| Boones Creek | Johnson City, TN |
| Jonesborough | Jonesborough, TN |
| Colonial Heights | Kingsport, TN |
| Building 147 | Kingsport, TN |
| Wilcox | Kingsport, TN |
| Stone Drive | Kingsport, TN |
| Hospital Branch | Kingsport, TN |
| Allandale | Kingsport, TN |
| Clinchfield | Kingsport, TN |
| South Longview | Longview, TX |
| North Longview | Longview, TX |
| Pine Tree Branch | Longview, TX |
| Mt. Carmel | Mount Carmel, TN |
| Piney Flats | Piney Flats, TN |
| Rogersville | Rogersville, TN |
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 EASTMAN
Cross-state asset and health neighbours for EASTMAN - kept outside Tennessee; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($9.91B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- EASTMAN ranks #157 of 4,374 nationally on financial health and #8 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Knoxville Tva Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Knoxville Tva Employees
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #157 of 4,374; by total assets it ranks #25 of 4,374 nationally (same basis as /rankings/largest); and #1 of 127 within Tennessee. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.38% 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 14.38% 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.
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.