Credit Union Safety Analysis
Is Eastman Credit Union Safe? Kingsport, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Eastman Credit Union has a net worth ratio of 14.87%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.31%, 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, Eastman Credit Union's net worth ratio is 14.87%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.87%
- Delinquency ratio (60+ days) (Q2 2026): 0.31%
- Return on assets (Q2 2026): 2.12%
- Loan-to-share ratio (Q2 2026): 93.22%
Eastman Credit Union (NCUA charter 68095) reported $10.17B in assets and 360,016 members for Q2 2026 from Kingsport, Tennessee. It is the largest of 123 credit unions in Tennessee by total assets. Total assets grew 6.9% from $9.51B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 24 credit unions with $10B to $100B in assets: 10.42%; middle half of peers: 9.55% to 11.84%.
Earlier filings: 14.38% for Q1 2026; 14.03% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.91%; middle half of peers: 0.64% to 1.27%.
Earlier filings: 0.15% for Q1 2026; 0.20% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.97%; middle half of peers: 0.59% to 1.31%.
Earlier filings: 1.79% for Q1 2026; 1.87% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 89.87%; middle half of peers: 81.23% to 93.33%.
Earlier filings: 91.75% for Q1 2026; 95.00% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $4.30B
- Used vehicle loans: $1.04B
- New vehicle loans: $966.1M
- Commercial loans: $917.9M
- Other secured non-real estate loans and lines of credit: $279.0M
- Other unsecured loans and lines of credit: $217.5M
- Unsecured credit card loans: $178.8M
- Non-federally guaranteed student loans: $81.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $10.17B | 14.87% | 0.31% | 2.12% | 93.22% |
| March 31, 2026 | $10.14B | 14.38% | 0.15% | 1.79% | 91.75% |
| December 31, 2025 | $9.91B | 14.27% | 0.28% | 1.44% | 93.20% |
| September 30, 2025 | $9.72B | 14.19% | 0.23% | 1.86% | 94.14% |
| June 30, 2025 | $9.51B | 14.03% | 0.20% | 1.87% | 95.00% |
| March 31, 2025 | $9.39B | 13.74% | 0.11% | 1.69% | 94.10% |
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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.
Regulator records: NCUA credit union profile (charter 68095) · FFIEC NIC profile (RSSD 263391)
Frequently asked questions
Is Eastman Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Eastman Credit Union's net worth ratio is 14.87%, above the 7% NCUA threshold for well capitalized.
Is Eastman Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Eastman Credit Union is a federally insured credit union (NCUA charter 68095): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Eastman Credit Union's key safety ratios?
For Q2 2026, Eastman Credit Union reports net worth 14.87%, delinquency 0.31%, ROA 2.12%, loan-to-share 93.22%.
What happens to my money if Eastman Credit Union fails?
For Q2 2026, Eastman Credit Union held $8.57B in shares and deposits for 360,016 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.