Headquartered in Erwin, Tennessee, Clinchfield Federal Credit Union is a federal credit union with $140.3M in total assets and $122.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1947.
Clinchfield Federal Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 83% of its 1,341 credit unions with $100 million – $1 billion. Among 125 credit unions headquartered in Tennessee, it ranks 38th. Funding & liquidity contributes the most (100/100, 55% loans-to-deposits, 3% uninsured); earnings contributes the least (62/100, 1.05%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (81 → 83), mostly because the loan quality component improved by 8 points.
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| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 78 |
| Q4 2024 | 76 |
| Q1 2025 | 82 |
| Q2 2025 | 81 |
| Q3 2025 | 84 |
| Q4 2025 | 79 |
| Q1 2026 | 82 |
| Q2 2026 | 83 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.10% |
| Q3 2024 | 11.96% |
| Q4 2024 | 12.07% |
| Q1 2025 | 12.11% |
| Q2 2025 | 12.40% |
| Q3 2025 | 12.71% |
| Q4 2025 | 12.44% |
| Q1 2026 | 12.34% |
| Q2 2026 | 12.49% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.58% |
| Q1 2025 | 0.12% |
| Q2 2025 | 0.47% |
| Q3 2025 | 0.31% |
| Q4 2025 | 0.64% |
| Q1 2026 | 0.12% |
| Q2 2026 | 0.25% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.69% |
| Q1 2025 | 0.97% |
| Q2 2025 | 1.18% |
| Q3 2025 | 1.20% |
| Q4 2025 | 1.05% |
| Q1 2026 | 0.89% |
| Q2 2026 | 1.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $140.3M | 12.49% | 0.25% | 1.05% | 54.6% |
| Q1 2026 | 82 | $138.5M | 12.34% | 0.12% | 0.89% | 54.6% |
| Q4 2025 | 79 | $134.9M | 12.44% | 0.64% | 1.05% | 53.7% |
| Q3 2025 | 84 | $130.2M | 12.71% | 0.31% | 1.20% | 54.6% |
| Q2 2025 | 81 | $130.2M | 12.40% | 0.47% | 1.18% | 54.0% |
| Q1 2025 | 82 | $129.6M | 12.11% | 0.12% | 0.97% | 54.3% |
| Q4 2024 | 76 | $127.4M | 12.07% | 0.58% | 0.69% | 54.5% |
| Q3 2024 | 78 | $127.7M | 11.96% | 0.43% | 0.80% | 55.2% |
| Q2 2024 | 80 | $124.4M | 12.10% | 0.30% | 0.88% | 55.0% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Upper Cumberland Federal Credit UnionCredit union Crossville, TN | 72 out of 100, Strong | $140.5M | 9.9% | 0.20% | vs |
| Trust Federal Credit UnionCredit union Chattanooga, TN | 44 out of 100, Below average | $141.8M | 11.7% | 3.41% | vs |
| Kimberly Clark Credit UnionCredit union Memphis, TN | 75 out of 100, Strong | $144.7M | 22.3% | 1.33% | vs |
| F a a Federal Credit UnionCredit union Cordova, TN | 91 out of 100, Very strong | $131.1M | 18.6% | 0.87% | vs |
| Scenic Community Credit UnionCredit union Hixson, TN | 47 out of 100, Below average | $163.8M | 9.4% | 1.46% | vs |
| City Employees Credit UnionCredit union Knoxville, TN | 90 out of 100, Very strong | $115.3M | 23.1% | 0.47% | vs |
Deposit insurance
Is my money safe at Clinchfield Federal Credit Union?
Yes. Clinchfield Federal Credit Union is a federally insured credit union (NCUA charter #5549). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 3.1% of shares and deposits ($3.8M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 12.49%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Clinchfield Federal Credit Union lists 1 office in 1 city. Most locations:
- Erwin, TN (1)
HMDA 2025
Mortgage lending
In 2025, Clinchfield Federal Credit Union reported 58 home-loan applications under HMDA (LEI 254900P86CWA5DCK0Y27): 50 originated ($7,080,000 total), 2 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Clinchfield Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 5549
- RSSD ID
- 749073
- Primary regulator
- NCUA
- Established
- 1947
- Headquarters
- P.O. Box 310, Erwin, TN 37650
- Employees
- 25
Quick answers
Clinchfield Federal Credit Union: common questions
Is Clinchfield Federal Credit Union NCUA insured?
Yes. Clinchfield Federal Credit Union is a federally insured credit union (NCUA charter #5549). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Clinchfield Federal Credit Union's TellerScore?
83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Clinchfield Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Erwin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Eastman Credit UnionCredit union Kingsport, TN | 91 out of 100, Very strong | $10.2B | 14.9% | 0.31% | vs |
| Greeneville City Employees' Credit UnionCredit union Greeneville, TN | 90 out of 100, Very strong | $13.9M | 29.5% | 0.32% | vs |
| Elizabethton Federal Savings BankBank Elizabethton, TN | 86 out of 100, Very strong | $326.0M | 42.3% | 0.25% | vs |
| Greeneville Works Empls. Sav. Assn. Credit UnionCredit union Greeneville, TN | 86 out of 100, Very strong | $1.8M | 52.1% | 0.00% | vs |
| Happy Valley Credit UnionCredit union Elizabethton, TN | 86 out of 100, Very strong | $36.9M | 18.3% | 0.82% | vs |