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
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EASTMAN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); EASTMAN sits in 95-99 with 391 others.
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
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%).
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).
- One place up in Tennessee, Knoxville Tva Employees (#7) scores 98/100, 1 point higher; one place down, ENRICHMENT (#9) ties at 97/100.
Quarter path for EASTMAN
EASTMAN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $9.91B (2025Q4) to $10.14B (2026Q1).
- Net-worth ratio shifted +0.11 pp (14.27% → 14.38%).
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
EASTMAN gives up 3 points in total. Member Growth costs the most, 1.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is EASTMAN financially healthy?
EASTMAN has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #157 of 4,374 nationally on health and #8 of 127 in Tennessee. Its net worth ratio is 14.38% and its delinquency rate 0.28%.
How does EASTMAN compare to other credit unions?
EASTMAN scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (93.20% vs 83.90%).
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?
EASTMAN 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. EASTMAN's net worth ratio of 14.38% 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.