A
Clinchfield Federal Credit Union
ErwinTN
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Clinchfield Federal Credit Union
Erwin, TN
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Rating A
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 4.70
Profitability Index 7.70
Stability Index 7.90
Company Info Clinchfield Federal Credit Union
Erwin, TN
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NCUA Charter Number 1322
Phone Number (423) 743-9192
Website www.clinchfieldcu.com
Asset Quality Clinchfield Federal Credit Union
Erwin, TN
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1-Year Asset Growth 1.98%
5-Year Asset Growth 8.21%
5-Year Charge-Offs to Average Loans 0.11%
Charge-Offs to Average Loans 0.10%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 1.12%
Non-Performing Loans to Loans 0.31%
Balance Sheet Clinchfield Federal Credit Union
Erwin, TN
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Total Assets 130.21M
Total Deposits 113.53M
Capital and Reserves Clinchfield Federal Credit Union
Erwin, TN
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Capital 16.42M
Leverage Ratio 12.71
Loan Loss Reserves to Loans 0.89%
Liquidity Clinchfield Federal Credit Union
Erwin, TN
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Hot Money Ratio 16.84%
Liquidity Ratio 25.03%
Profitability Clinchfield Federal Credit Union
Erwin, TN
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5-Year Return on Average Assets 0.60%
Net Income 1.17M
Net Interest Spread 3.76%
Operating Profit to Average Assets 1.14%
Overhead Efficiency Ratio 71.32%
Return on Assets 1.21%
Return on Equity 10.05%