# EASTMAN
Kingsport, TN · NCUA charter 68095 · asset band >$10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/eastman-68095

Who the members are: state charter, organized 1934, low-income designated. 357,321 members of 1,233,294 potential (29.0% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 76.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.14B |
| Members | 357,321 (2.6% YoY) |
| Full-time staff | 1101 |
| Net worth | $1.46B |
| Net worth ratio | 14.4% (p92 of band) |
| ROA (annualized) | 1.79% (p96 of band) |
| Total delinquency | 0.15% (p4 of band) |
| Net charge-offs (annualized) | 0.39% (p25 of band) |
| Loans / shares | 92% (p67 of band) |
| Cash / assets | 20.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.17% (p58 of band) |
| Operating expense / assets | 1.87% (p12 of band) |
| Vehicles % of loans | 25% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 55% |
| Third-party paper % of net worth | 75% (p38 of band) |
| Vehicle delinquency | 0.17% (p12 of band) |
| Vehicle NCO | 1.10% (p38 of band) |
| Repossessed % of vehicle book | 0.14% (p75 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 63% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 46% |
| Average share balance | $10,804 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 76% |
| Loans granted per 100 members, annualized | 27% |
| Average loan balance | $29,080 |
| Loans granted, annualized | $2.27B |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | loans>95% of shares |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling |  |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | loans>95% of shares |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | loans>95% of shares |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 4 | net worth falling, margin squeeze |  |
| 2024-06 | 1 |  | delinquency rising, net worth falling, margin squeeze |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 1 |  | loans>95% of shares |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-04-14 [Eastman Credit Union breaks ground on new Johnson City branch - WJHL](https://news.google.com/rss/articles/CBMimgFBVV95cUxOT1dUc0hoQV9XTXB0WUZCbkZMUFZud3ZpY29CUjk5TE5Xa0NKYUxSRldyb1NYR0FHV2VzV29rTFplNTc1SFUxUExia2NSRk53eDRiMDdSd0JiWWlxUGk3NmxndmlYVGdtWHE3dlBYVkFUZ21WcHE5Snl0X1p1cFZzSUFDalAxLWN6TEJ6N0NIa1dWZEx0dVp0TUZB0gGfAUFVX3lxTE1GcUJRdTZZOURFbkY1X2xQeEZTQTJaWjlZbExubkNHYTE3Y0Jlb0QwQ3NRelBvUHEzZ3g2V1h6Wmo3Ml9yMk5vNWwwc3p1S21uMFU2b09RSEliSllYekpsNU45T29pRVdubUZjMGZJU2RKWmFNeW5ZQV9tWkVBS3YtWHZKdEtGbF96QlN4ajhxRElaT3VzSG5YeDZnVUJlbw?oc=5) · WJHL
- 2026-04-16 [Eastman Credit Union breaks ground on expanded project in Johnson City - wcyb.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxQc1hBOEdQWHdET3J4czdrYUdZdzJjOF9sa3ZjVi1CdHlIcmFZbzlGOGgxUUVETUFSbWhLTWpZcGhZYWxVbXZwSHRxTzdOQ0lMNTdsU1dzRE1Kdk9oZXV0MzlhcXNwY3g3WTJqUEpOSFpieThIYjJudzlidWZhWE1sMDlqQVF6OFdETm9UMnNxcUpqb3cyVGw0OERTVWRoZTQ?oc=5) · wcyb.com
- 2026-05-11 ['This Is Gonna Be Talked About For The Next 3 Generations In This Town': Tennessee Resident Drives By Eastman Credit Union. They Can't Believe What They See - BroBible](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNV3dzSFcwZkV6YjAxVU4tXzVrQ2Z4MURreHZoQVh6aWtORmlHWTBabU1zZ1NjWlVFNllQczZWUjlUN2VvQ1VtcWRxQ3c2V0d3VkJaOTZZX1NhVWZGTk1WWDJYdC1DS21RdUYxTVA1WWoyQTc3QlZ2TnI5emR3V0R5YURLVS1scVVJZVlZ?oc=5) · BroBible
- 2026-08-18 [Stuff a Bus campaign continues in Johnson City to help students and families - wcyb.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxNRHFmSVlBbWNVU24wNzg3NlBjcm45WW0zeTdsRnNGbmhEMVlDY3ZqVHFMYmExY1BiaERFVmc4alZlNkZZMkR1OWJOdnFYVXJVMENQMl9OcWZpdWV0RTVhdnNvdnJHTTZWZFBRUDF6M202RjlWX24tRklTVmNlR2V4amg1M21SZEhxVndfNDhYMlJ4alZBSXhkUUIxbGdlRC1WeFlPbGRNVQ?oc=5) · wcyb.com
- 2026-01-05 [‘Eastman Credit Union Field’: Greeneville Flyboys, Tusculum strike deal with ECU - WJHL](https://news.google.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?oc=5) · WJHL
- 2024-09-14 [Founded during Great Depression, Eastman Credit Union celebrating 90th anniversary - The Rogersville Review](https://news.google.com/rss/articles/CBMirwFBVV95cUxOWWVZalc5NzNuMEh6bXRSNXJYYkcxTmlwa0NnVUlQZHlqS0poQXJOX21YbmVDWE5mYXh0ZVBKeUlmVWE5N3NYNEpvbnJYclVQRi1nU3M2Y2cwWG5UX0wwbmRfNmc5T1g3MzFpaXZFT20teGlFY2xKbGNaS2hKT0tRZkZYMWdEY240bnM4RWlYVF83VnM2VndPd0dadF90b0I3UGwtdDMzQkdhSHI5ZVJR?oc=5) · The Rogersville Review
- 2024-09-10 [Eastman Credit Union celebrates 90 years of service - Elizabethton Star](https://news.google.com/rss/articles/CBMikgFBVV95cUxQMDZqbm0zdU1VUjBmaTNVZVA4YnJ2UHptT0ZKbHdfYU50MWZiOGxodXRKVllaNGxGeUNyWHNyd1dNa2RmVzdndldTanR3VzlpZm85NEZvdFppRUd1dHVvVlFPWHI2bzFuVG5aVmtyMnduVl9mRVlZaXo0TWxwaFdON1NXNjNnVzUxVnRfUUJjcHpGQQ?oc=5) · Elizabethton Star
- 2025-04-10 [America's Best Regional Banks and Credit Unions 2025 - Tennessee - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxPU3h5RW1VTUtjSG1vSmRwSGo1RXZjdlFpa3F6NjhOU2EtRW9HR1ZndlZwTE94dlJBQ19rekotdVlCXzYtUUk2TWx4clNNUEhwXzZpckQ4bE5XNlRFOENBUklEXzctam1yY2hJc2otQk5NdWpVeWxKSHk1VnlsU0FiVnAyTmU3d1dfUzAxOGVQd1M?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68095 (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/63.json (key "68095", 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=68095
- 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