Credit Union Safety Analysis
Is Clinchfield Federal Credit Union Safe? Erwin, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Clinchfield Federal Credit Union has a net worth ratio of 12.49%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.25%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Clinchfield Federal Credit Union's net worth ratio is 12.49%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.49%
- Delinquency ratio (60+ days) (Q2 2026): 0.25%
- Return on assets (Q2 2026): 1.22%
- Loan-to-share ratio (Q2 2026): 54.55%
Clinchfield Federal Credit Union (NCUA charter 5549, established 1947) reported $140.3M in assets and 6,556 members for Q2 2026 from Erwin, Tennessee. It ranks 37 of 123 credit unions in Tennessee by total assets. Total assets grew 7.8% from $130.2M on June 30, 2025. It has 17 more members than on June 30, 2025 (+0.3%). Its net worth ratio was up 0.09 percentage points from 12.40% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $41.9M of $67.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.25% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.34% for Q1 2026; 12.40% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.12% for Q1 2026; 0.47% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.89% for Q1 2026; 1.39% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 54.55% for Q1 2026; 54.00% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $41.9M
- New vehicle loans: $12.4M
- Used vehicle loans: $6.0M
- Other secured non-real estate loans and lines of credit: $2.7M
- Other unsecured loans and lines of credit: $2.7M
- Unsecured credit card loans: $1.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $140.3M | 12.49% | 0.25% | 1.22% | 54.55% |
| March 31, 2026 | $138.5M | 12.34% | 0.12% | 0.89% | 54.55% |
| December 31, 2025 | $134.9M | 12.44% | 0.64% | 0.73% | 53.66% |
| September 30, 2025 | $130.2M | 12.71% | 0.31% | 1.25% | 54.58% |
| June 30, 2025 | $130.2M | 12.40% | 0.47% | 1.39% | 54.00% |
| March 31, 2025 | $129.6M | 12.11% | 0.12% | 0.97% | 54.28% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Clinchfield Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 5549) · FFIEC NIC profile (RSSD 749073)
Frequently asked questions
Is Clinchfield Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Clinchfield Federal Credit Union's net worth ratio is 12.49%, above the 7% NCUA threshold for well capitalized.
Is Clinchfield Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Clinchfield Federal Credit Union is a federally insured credit union (NCUA charter 5549): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Clinchfield Federal Credit Union's key safety ratios?
For Q2 2026, Clinchfield Federal Credit Union reports net worth 12.49%, delinquency 0.25%, ROA 1.22%, loan-to-share 54.55%.
What happens to my money if Clinchfield Federal Credit Union fails?
For Q2 2026, Clinchfield Federal Credit Union held $122.8M in shares and deposits for 6,556 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.