Clinchfield

Erwin, TN · 1 · Charter #5549 · www.clinchfieldcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$134.9M
66th percentile
Members
6,522
40th percentile
Total loans
$63.2M
53th percentile
Total shares
$117.8M
67th percentile

Profitability

Return on assets
1.01%
48th percentile
Net interest margin
3.04%
19th percentile
Efficiency ratio
55.00%
72th percentile
Non-interest income ratio
16.40%
45th percentile

Capital & Risk

Net worth ratio
12.44%
53th percentile
Delinquency rate
0.64%
55th percentile
Net charge-off rate
0.12%
81th percentile
Loan-to-share
53.66%
24th percentile

Growth

Member growth YoY
0.62%
66th percentile
Asset growth YoY
5.87%
67th percentile
Loan growth YoY
3.04%
60th percentile
Share growth YoY
4.62%
61th percentile

Operations

Members / branch
6,522
92th percentile
Assets / member
$20,683
86th percentile
Field of membership penetration
36.49%
83th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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