Eastman

Kingsport, TN · 2 · Charter #68095 · www.ecu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$9.9B
99th percentile
Members
355,885
91th percentile
Total loans
$7.8B
99th percentile
Total shares
$8.4B
99th percentile

Profitability

Return on assets
2.03%
94th percentile
Net interest margin
2.97%
34th percentile
Efficiency ratio
29.53%
97th percentile
Non-interest income ratio
14.00%
22th percentile

Capital & Risk

Net worth ratio
14.27%
90th percentile
Delinquency rate
0.28%
91th percentile
Net charge-off rate
0.32%
74th percentile
Loan-to-share
93.20%
60th percentile

Growth

Member growth YoY
3.53%
63th percentile
Asset growth YoY
8.90%
75th percentile
Loan growth YoY
4.36%
46th percentile
Share growth YoY
8.24%
71th percentile

Operations

Members / branch
11,863
83th percentile
Assets / member
$27,837
92th percentile
Field of membership penetration
28.86%
87th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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