Eastman Credit Union
Total assets
$10.14B
▲ +8.0% YoY
Shares & deposits
$8.60B
▲ +7.0% YoY
Loans
$7.89B
▲ +4.3% YoY
Members
357,321
▲ +2.6% YoY
ROA (annualized)
1.79%
peers 0.77%
ROE (annualized)
12.47%
peers 7.68%
Peer comparison 24 credit unions with 10B+ in assets
| Metric | Eastman Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +7.0% | +1.0 pts |
| Share growth (YoY) | +7.0% | +6.8% | +0.2 pts |
| Loan growth (YoY) | +4.3% | +6.8% | -2.5 pts |
| ROA | 1.79% | 0.77% | +1.0 pts |
| ROE | 12.5% | 7.7% | +4.8 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
Profile
- Established
- 1934
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P. O. Box 1989, Kingsport, TN, 37662
- NCUA charter #
- 68095
- RSSD ID
- 263391
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.14B | $8.60B | $7.89B | $1.46B | $45.5M | 1.79% | 3.17% | 0.15% | 357,321 |
| Q4 2025 | $9.91B | $8.40B | $7.83B | $1.41B | $165.0M | 1.67% | 2.97% | 0.28% | 355,885 |
| Q3 2025 | $9.72B | $8.27B | $7.78B | $1.38B | $129.3M | 1.77% | 3.13% | 0.23% | 356,492 |
| Q2 2025 | $9.51B | $8.11B | $7.70B | $1.34B | $84.1M | 1.77% | 3.13% | 0.20% | 352,765 |
| Q1 2025 | $9.39B | $8.04B | $7.56B | $1.29B | $39.6M | 1.69% | 3.02% | 0.11% | 348,142 |
| Q4 2024 | $9.10B | $7.76B | $7.50B | $1.25B | $133.1M | 1.46% | 2.73% | 0.21% | 343,751 |
| Q3 2024 | $8.90B | $7.61B | $7.39B | $1.23B | $108.5M | 1.63% | 2.91% | 0.20% | 340,167 |
| Q2 2024 | $8.62B | $7.37B | $7.21B | $1.19B | $71.7M | 1.66% | 2.96% | 0.16% | 335,288 |
Loan mix (Q1 2026): real estate $4.25B · commercial $924.7M · consumer $2.35B · securities $20.7M
Ratio pack Q1 2026 · peer medians from 24 institutions
Profitability
| Ratio | Eastman Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 0.77% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 7.7% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.08% | 57th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.7% | 62.8% | 4th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Eastman Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Eastman Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Eastman Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Eastman Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
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