# CLINCHFIELD
Erwin, TN · NCUA charter 5549 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/clinchfield-5549

Who the members are: federal charter, multiple common bond, organized 1947, low-income designated. 6,530 members of 17,856 potential (36.6% of the field); checking penetration 76% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $138.5M |
| Members | 6,530 (0.9% YoY) |
| Full-time staff | 22 |
| Net worth | $17.1M |
| Net worth ratio | 12.3% (p58 of band) |
| ROA (annualized) | 0.89% (p63 of band) |
| Total delinquency | 0.12% (p9 of band) |
| Net charge-offs (annualized) | 0.19% (p33 of band) |
| Loans / shares | 55% (p23 of band) |
| Cash / assets | 22.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.22% (p24 of band) |
| Operating expense / assets | 3.07% (p28 of band) |
| Vehicles % of loans | 27% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.35% (p34 of band) |
| Vehicle NCO | 0.36% (p42 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 26% |
| Average share balance | $8,975 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $23,082 |
| Loans granted, annualized | $32.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | delinquency rising |  |
| 2017-09 | 1 | delinquency 2x band | delinquency rising |
| 2017-12 | 0 |  | delinquency 2x band |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | delinquency 2x band |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency 2x band |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency 2x band |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | net worth falling, delinquency rising |  |
| 2020-06 | 2 | margin squeeze | delinquency 2x band, delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | net worth falling |
| 2022-03 | 1 | delinquency rising | margin squeeze |
| 2022-06 | 3 | net worth falling, delinquency 2x band |  |
| 2022-09 | 1 |  | net worth falling, delinquency 2x band |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-26 [Clarence Bailey Obituary (2026) - Erwin, TN - obits.johnsoncitypress.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPQkxFa19UQXVMZ21LQVNfY3BoMUY2TXZ5OW91Ym80VU5NUF9KM2I0TkwwZEdRTG9VNXNHREhKWVp6WjBtQVJtMUk2ME9WcktyeHRCY3lRcExaN21Ed01EdldYWmpEUldQNWpja1VZT3pzZklVek94b3YxVTdmWDBXSGg0YkZ6QUJscTZtVmlGTGdLalJSYW5yWGtuYXpLQ0plR0QxZmZSN1ZzQVk?oc=5) · obits.johnsoncitypress.com
- 2025-01-18 [Obituary for Paul Clifford Monk - ledfordfuneralhomes.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9Zd3FZYXp2cEsxZzZPRGJycnd4NlNqVTdiUnVRMzBxdzdDRUVWMzlJTmJocnY2WFlQS19MZVNWdUh5WkdRSEdhdEl6cUpRWlZaRGxRUkk2emZvZGJUSXN0YXBTSVQ?oc=5) · ledfordfuneralhomes.com
- 2024-10-31 [Crews find body of final missing Impact Plastics employee in Unicoi Co. more than a month after Helene - WBIR](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNMTN6bW5LZkZqZTY3UlNWanJ3OHRWbnc2MldLUGUwZWtDUjRTckVuUUlHMlh2d0lGSEdNRHdpMFJBQTFVRUlhbVN1VDFyRXpIM0lmRkNOMDcwckFvSklpSUVGc1N2d3dBNTIwQzctcWJJZFpRUnl4MEZyZFJPUkdtckpxQUhZZ3Y1UE1VMDdJM0pIdmFWV3pNRzZmNDJiSGR2czV0MS1Zc0JBU2tzRGxJdXBJRUNaRkhMTFNvcW92Z3J5TDYyd3dxOVBJMWxTWjI1c0wxNjUyQy1qV083YmU0S0cwME8?oc=5) · WBIR
- 2026-04-06 [Sandy Lingerfelt Obituary (1952 - 2026) - Erwin, TN - The Erwin Record - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQMVZjTUJ4UTlYdWdtWE1EOWxBNDJUOVJISnBTNzViZzRpcVdLb2ZpdURCdWhpTm9IUDVxcEllVEg1djdOY2ZRbVRNcXFiRzR0cjRrU1RsQ0RpR2NKY3p4TFAxek9EaXI3eGYyMzJNRDVfZGlWSm9FSFlvTE9yQWNHcUxCb3Y3dEkyUndsUk1RUjBEdksyUFE?oc=5) · legacy.com
- 2024-10-07 [4 killed in Unicoi Co. flooding identified and 5 out of 6 missing Erwin factory employees recovered, authorities say - WBIR](https://news.google.com/rss/articles/CBMizwFBVV95cUxPWTBmcFF6b1piak9VdVplVXJxOG5pcXZsWmZuQTZpYldaZllmZ2Y0VFVVVEwwQWQ1UGthSFRldEdkU3V0cnlvRkVBMGpsVjdESTNVM1JhZTY1aXhRQmxGdl9FUjgwamR2OC03TEd4OFZub05zSkhINWxTSUUwSHlsZXJEOVV1RzBjb2plZmhobmtnVUtxbENHbER3QXVYS0lpMFBSUkdMT2NCMzhPUjZQODlqV05ZdUVWRFdoVlluTHRDcG1IY2wtdHozUUJkLW8?oc=5) · WBIR
- 2023-07-14 [Everette Allen Obituary (2023) - Erwin, TN - obits.johnsoncitypress.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPUHdnWjlsU0lpWVk1SEFvTVVzMVFTM2VqbEZ3X3RyUUZUTFhLTzBwODgxSUY4QVVYYzZQeko1Z1dpdEY5QVZicnFjYnRaNWJJdHp2Q1hGWTdZdGpKdmZGMmRROWxJbzAzZW84SklZa3F0TGl1NVJmSlN4dTQyRl9JZFlxNXhFbV94UHR0ZUEyLXRTWGxoMmpoaXNSTHRuelZ2ZnR6bnlmSnVFZw?oc=5) · obits.johnsoncitypress.com
- 2025-03-05 [Louella Phillips Obituary (1926 - 2025) - Erwin, TN - obits.johnsoncitypress.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxOb1B2bmlmMXlxTTVLcm1Kdkt2NEV3Rk9VTDM3OTNNMS1xOFZudWo4WEE2Q0JxaTN2WkIxaVE0SkdCYjdFSVVVZERaZldCQ0ZpQzJnMy1fQXFmczhFN2xvckdwRjFkbDhmZEFOVjQ5LVhGemx4VVBxWE45cUNFYVJ0b1hLdDg0TzhxZmlqZHp6NzFMRXNmTHVXb2ZTZVRLTXN6LUxaRWFmemk4NXhS?oc=5) · obits.johnsoncitypress.com
- 2024-04-07 [Jimmie Street Obituary (2024) - Erwin, TN - obits.johnsoncitypress.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNY01Rd0paUFhQNWpXREh0Z1RBTkJCUmVDTkQ5SW1rb0dXWUVkUThEbUUydW1VaEk1cHRpcm5TNTd5Q0V2R2haTGJuOU43WmE5ZnNqRUlYd1hoaEFpNWRzcm1xODZ0Y3BPZUNjQVN2UTBfSV9uVF85VXpsY2t3UUo4TEozN0Z5ZnhxOWx0SzZIc0cwdENUY0xvOUxLYU1uM2tPZ3VsR0hoSWY?oc=5) · obits.johnsoncitypress.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5549 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/45.json (key "5549", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=5549
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide