APPLIANCE Credit Union Profile

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APPLIANCE

Charter #67976 | NCUA Region 2 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (423) 479-5511

Fax: (423) 479-5217

Founding Date: N/A

Website: http://www.appliancecu.com

Personnel & Operations

President: McCOWAN, DONALD

Manager: ROSS, BOBBIE

FT Employees: 4

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 1

Hours: 8:30 - 5:00

Credit Union Profile Summary

APPLIANCE is a FISCU Credit Union. With a total of 1,998 members [1], this institution manages approximately $16,077,692 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 10.76% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -19.15% [1].

Financial Snapshot

Total Assets [1]
$16,077,692

Total economic resources.

Total Loans [1]
$5,618,947

Total value of outstanding loans.

Total Deposits [1]
$13,906,015

Total funds deposited by members.

Members [1]
1,998

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.76%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-0.30%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
40.41%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
3.68%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
-19.15%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-3.66%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

150 Linden Ave SE

CLEVELAND, TN, 37311

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 1 branches reported by APPLIANCE (Charter #67976).

Main Office

APPLIANCE CREDIT UNION Main Office

Type: Corporate Office

150 Linden Ave SE

Cleveland, TN 37311

Phone: (423) 479-5511

Services: Member Services, ATM, Drive-Thru

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