Eastman Credit Union Kingsport, Tennessee
Eastman Credit Union is a state-chartered credit union headquartered in Kingsport, TN (NCUA charter 68095), and it is regulated and insured by the NCUA. At Q2 2026 it reported 360,016 members and total assets of $10.17B (up 6.9% from Q2 2025), the largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 14.87% at Q2 2026, in the well capitalized band.
Also written as Eastman CU
BankRegReports is independent of Eastman Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68095
- Headquarters
- Kingsport, TN
- Established
- Not reported
- Total assets, Q2 2026
- $10.17B
- Assets vs Q2 2025
- +6.9%
- Members, Q2 2026
- 360,016
- Net worth ratio, Q2 2026
- 14.87%
- Latest call report
- Q2 2026, NCUA 5300 · Eastman Credit Union call report
- Asset rank in state
- 1st of 123 in Tennessee
- Routing number
- 264279350
- Branches
- 30
It has 7,251 more members than on June 30, 2025 (+2.1%). Its net worth ratio was up 0.84 percentage points from 14.03% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $4.30B of $7.99B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.31% is below the 0.91% median of the 24 credit unions with $10B to $100B in assets for Q2 2026. Its 14.87% net worth ratio is above that band's 10.42% median.
Credit unions similar in size in Tennessee
Frequently asked about Eastman Credit Union
How big is Eastman Credit Union?
At Q2 2026 it reported total assets of $10.17B and 360,016 members.
Where is Eastman Credit Union headquartered?
It is headquartered in Kingsport, TN, United States.
Is Eastman Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68095): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Eastman Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Eastman Credit Union well capitalized?
Its net worth ratio was 14.87% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Eastman Credit Union's delinquency ratio?
Its delinquency ratio was 0.31% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Eastman Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 93.22% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Kingsport, TN 37660
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 68095
- RSSD ID
- 263391
- Members
- 360,016
- Potential members
- 1,233,294
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 24 credit unions with $10B to $100B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.55% to 11.84% | 14.87% | 10.42% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.31% | 2.12% | 0.97% | over 90th top |
| Return on equity Middle half of peers: 6.05% to 14.24% | 14.24% | 9.50% | 75th top |
| Net interest margin Middle half of peers: 2.90% to 3.44% | 3.43% | 3.17% | 74th above |
| Efficiency ratio Middle half of peers: 52.69% to 70.10% | 41.92% | 61.32% | over 90th top |
| Cost of funds Middle half of peers: 1.69% to 2.02% | 1.93% | 1.88% | 42nd below |
| Delinquency ratio Middle half of peers: 0.64% to 1.27% | 0.31% | 0.91% | over 90th top |
| Yield on assets Middle half of peers: 4.90% to 5.36% | 5.36% | 5.07% | 75th position only |
| Loan-to-share ratio Middle half of peers: 81.23% to 93.33% | 93.22% | 89.87% | 74th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$10.17B total assets against $9.51B; $8.57B total shares and deposits against $8.11B; $7.99B total loans against $7.70B.
$1.51B net worth against $1.34B.
14.87% net worth ratio against 14.03%.
93.22% loan-to-share ratio against 95.00%.
0.31% delinquency ratio against 0.20%.
2.12% return on assets against 1.87%; 14.24% return on equity against 13.34%.
3.43% net interest margin against 3.27%.
360,016 members against 352,765.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.87% | 2.12% | 0.31% | 93.22% |
| March 31, 2026 | 14.38% | 1.79% | 0.15% | 91.75% |
| December 31, 2025 | 14.27% | 1.44% | 0.28% | 93.20% |
| September 30, 2025 | 14.19% | 1.86% | 0.23% | 94.14% |
| June 30, 2025 | 14.03% | 1.87% | 0.20% | 95.00% |
| March 31, 2025 | 13.74% | 1.69% | 0.11% | 94.10% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.