CLINCHFIELD
Federal • Erwin, Tennessee • Est. 1947
Quick Facts
- Charter Number
- #5549
- Type
- Federal
- Established
- 1947
- Headquarters
- Erwin, Tennessee 37650
- Address
- P.O. Box 310
- Branches
- 1
- ATMs
- 1
- Members
- 6,522
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
6,522 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CLINCHFIELD |
|---|---|
| Total Assets | $134.9M |
| Members | 6,522 |
| Loans Outstanding | $63.2M |
| Shares & Deposits | $117.8M |
| Net Worth | $16.8M |
| Net Worth Ratio | 12.44% |
| Loan-to-Share Ratio | 53.7% |
| Delinquency Rate | 0.64% |
| Net Income | +$1,357,691 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location · 1 ATMs
Main Branch
Main Office1038 N Main Ave
Erwin, TN 37650
Who Can Join CLINCHFIELD?
Membership Type: Community
Membership eligibility for CLINCHFIELD may vary. Contact the credit union directly to confirm qualification requirements.
Contact CLINCHFIELD directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Tennessee
Browse all federally insured credit unions in Tennessee, ranked by assets, members, and financial health score.
View Tennessee RankingsFrequently Asked Questions
Yes. CLINCHFIELD is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CLINCHFIELD has 6,522 members and a potential membership field of 17,872 people.
CLINCHFIELD's net worth ratio is 12.44% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.4%, CLINCHFIELD meets this threshold.
CLINCHFIELD operates 1 branch location and has access to 1 ATMs. The main office is located at 1038 N Main Ave, Erwin, TN 37650.
CLINCHFIELD was established in 1947. It is a federal credit union chartered under charter number 5549. The institution has been serving members for 79 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CLINCHFIELD. All financial data is for informational purposes only.