Clinchfield
Erwin, TN · Charter 5549 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$140.3MAssets
$67.0MLoans
$122.8MShares
$17.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 76% of credit unions under $1B in assets (rank 403 of 1682).
- Widest gap: net interest margin trails 80% of credit unions under $1B in assets (rank 1344 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.05%
Rank 542 of 1,683
Net Interest Margin
3.18%
Rank 1,344 of 1,683
Efficiency Ratio
76.12%
Rank 734 of 1,682
Equity / Assets
12.49%
Rank 912 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.35% | 0.74% | 1.18% | Beats 68% | 542 / 1,683 | |
| Return on Equity | 8.44% | 2.67% | 5.89% | 8.74% | Beats 73% | 458 / 1,681 | |
| Net Interest Margin | 3.18% | 3.31% | 3.82% | 4.32% | Beats 20% | 1,344 / 1,683 | |
| Efficiency Ratio | 76.12% | 68.91% | 78.20% | 86.93% | Beats 56% | 734 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.26% | 0.65% | 1.29% | Beats 76% | 403 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.49% | 10.44% | 12.89% | 16.53% | Beats 46% | 912 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.49% | 10.44% | 12.89% | 16.53% | Beats 46% | 912 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 54.55% | 52.61% | 69.38% | 83.50% | 27th pctl | 1,222 / 1,683 | |
| Loans / Assets | 47.76% | 44.71% | 59.18% | 70.72% | 30th pctl | 1,176 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |