EASTMAN
Charter #68095 · Kingsport, TN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.38% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.81% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.08% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.15% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 46.72% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | EASTMAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.14B | 95th pct | 89th pct |
| Members | 357,321 | 88th pct | 72th pct |
| Net worth ratio | 14.38% | 91th pct | 90th pct |
| Return on average assets | 1.81% | 98th pct | 97th pct |
| Net interest margin | 3.21% | 42th pct | 52th pct |
| Cost of funds | 0.08% | 3th pct | 0th pct |
| Loan-to-share | 91.75% | 68th pct | 49th pct |
| Delinquency 60+ days | 0.15% | 5th pct | 2th pct |
| Net charge-off ratio | 0.39% | 33th pct | 38th pct |
| Loan growth YoY | 1.37% | 45th pct | 34th pct |
| Share growth YoY | 4.01% | 48th pct | 43th pct |
| Efficiency ratio | 46.72% | 1th pct | 2th pct |
structural peer set hash: c184f615e14afd6a3e2e0a66fc6efcca… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.