State credit union · ELIZABETHTON, Tennessee · NCUA charter #67021
Northeast Community
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $184.3M
- Total assets
- 12,507
- Members
- 16.9%
- Net-worth ratio
Northeast Community scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $184.3M; members 12,507; net-worth ratio 16.88%; health rank #1,908 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,908 of 4,374 health · 2025Q4Northeast Community · health 85/100 · $184.3M · 2025Q4
- CHARTER 85/100
- NCUSIF 16.9%
- CAMELS 1.05%
- HEALTH 1.20%
- NW $184.3M
- DELQ 12,507
- ROA #1,908/4,374
- ASSETS RIPCO
- MEM 67021
Call Report peers
Northeast Community in the assets neighbourhood
Northeast Community's $184.3M assets sit next to RIPCO ($184.4M) 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.
Northeast Community 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
85 Top 46% higher than 54% 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
Northeast Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67021. See our deposit-insurance coverage note.
Northeast Community: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 16.88% here, 12.11% peer average (+4.77 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -9.01 pp (63.19% 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.
Where Northeast Community sits in Tennessee
- Health composite ranks #62 of 127 among scored Tennessee credit unions.
- Assets rank #30 of 127 inside Tennessee ($184.3M reported).
- Tennessee membership ordinal: #29 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.
Northeast Community: 2025Q4 → 2026Q1
Northeast Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $184.3M (2025Q4) to $188.7M (2026Q1).
- Net-worth ratio shifted -0.09 pp (16.97% → 16.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.88% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.7 pts
- Return on Assets 15.0 pts
- Member Growth 7.2 pts
- Loan-to-Share Ratio 13.1 pts
Northeast Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.88% | +4.77 pp |
| Delinquency Rate | 1.05% | +0.15 pp |
| Return on Assets | 1.20% | +0.58 pp |
| Member Growth | -1.01% | - |
| Loan-to-Share Ratio | 63.19% | -9.01 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $188.7M | - |
| 2025Q4 | $184.3M | 12,507 |
| 2024Q4 | $181.2M | 12,635 |
| 2023Q4 | $178.0M | 12,764 |
Credit Union Details
- Charter Number
- 67021
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- ELIZABETHTON
- Data Quarter
- 2025Q4
Branch Locations (4)
Northeast Community operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Elizabethton, TN |
| 19E Branch | ELizabethton, TN |
| Johnson City Branch | Johnson City, TN |
| Roan Mountain Branch | Roan Mountain, 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 Northeast Community
Two NCUA Call Report peer sets for Northeast Community, both outside Tennessee so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($184.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Northeast Community ranks #1,908 of 4,374 nationally on financial health and #62 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Employee Resources is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Employee Resources
- 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 Northeast Community financially healthy?
Northeast Community has a financial health score of 85/100 (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 #1,908 of 4,374; by total assets it ranks #1,335 of 4,374 nationally (same basis as /rankings/largest); and #30 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 16.88% and delinquency rate of 1.05%.
How does Northeast Community compare to other credit unions?
Northeast Community scores 85/100 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 Northeast Community?
Membership eligibility for Northeast Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Northeast Community directly for current membership requirements and application steps.
Is my money safe at Northeast Community?
Federal credit unions like Northeast Community 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. Northeast Community's net worth ratio of 16.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northeast Community offer compared to banks?
Credit unions like Northeast Community 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 Northeast Community 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.