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Appalachian Community Credit Union

Overview / Commentary
P.O. Box 1008
Kingsport, TN 37662

Appalachian Community Credit Union is headquartered in KINGSPORT and is the 23rd largest credit union in the state of Tennessee. It is also the 1,037th largest credit union in the nation. It was established in 1993 and as of December of 2013, it had grown to 75 employees and 14,192 members. Appalachian Community Credit Union's money market rates are 14% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

If you live, work, worship, or attend school in one of the following areas you are eligible to become a member: Carter County, TN Hawkins County, TN Sullivan County, TN Unicoi County, TN Washington County, TN Scott County, VA Washington County, VA Wise County, VA Clinton County, KY Jackson County, KY Wayne County, KY McCeary County, KY - See Details

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Appalachian Community Credit Union had $2.87 million in non-current loans and owned real-estate with $14.91 million in equity and loan loss allowances on hand to cover it. This gives Appalachian Community Credit Union a Texas Ratio of 19.22% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Appalachian Community Credit Union increased slightly from 10.59% as of December 31, 2012 to 19.22% as of December 31, 2013, resulting in a negative change of 81.54%. This indicates that the balance sheet and financial strength for Appalachian Community Credit Union has declined slightly in recent periods.

Deposit Growth


In the past year, Appalachian Community Credit Union has increased its total deposits by $11.3 million, resulting in 7.99% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Appalachian Community Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Appalachian Community Credit Union has $169.7 million in assets with $14.91 million in equity, resulting in a capitalization level of 8.79%, which is average.

Institution Statistics

NCUA #24495
Year Chartered1993
Primary Regulator
Assets and Liabilities
Assets$169.70 million
Loans$139.59 million
Deposits$152.70 million
Equity Capital$13.75 million
Loan Loss Allowance$1.16 million
Unbacked Noncurrent Loans$1.61 million
Real Estate Owned$1.26 million
Historic Data - December 2012
Assets$155.59 million
Equity Capital$13.87 million
Loan Loss Allowance$524,000
Unbacked Noncurrent Loans$1.61 million
Real Estate Owned$724,000
Profit Margin - Quarterly
Net Interest Margin4.23%
Return on Assets-0.1%
Return on Equity-1.26%
Interest Income$7.77 million

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Appalachian Community Credit Union Savings Account Rates

0.35%$100k-Shares (Savings)
0.35%--IRA Share
0.35%--Roth IRA Share
0.35%--CESA Share
0.20%--Share Club

Appalachian Community Credit Union Money Market Rates

0.50%$100k-Super Saver Money Market

Appalachian Community Credit Union Checking Account Rates

0.05%$25k-Premier Checking

Appalachian Community Credit Union CD Rates

1.16%$5k-72 Month Super Saver Term Share Certificate
0.80%$1k-60 Month Term Share Certificate
0.75%$1k-48 Month Term Share Certificate
0.55%$1k-36 Month Term Share Certificate
0.30%$1k-24 Month Term Share Certificate
0.20%$1k-12 Month Term Share Certificate
0.10%$1k-6 Month Term Share Certificate

Appalachian Community Credit Union IRA Rates

1.16%$5k-72 Month Super Saver IRA Certificate (Traditional,CESA,Roth)
0.80%$1k-60 Month IRA Certificate (Traditional,CESA,Roth)
0.75%$1k-48 Month IRA Certificate (Traditional,CESA,Roth)
0.55%$1k-36 Month IRA Certificate (Traditional,CESA,Roth)
0.30%$1k-24 Month IRA Certificate (Traditional,CESA,Roth)
0.20%$1k-12 Month IRA Certificate (Traditional,CESA,Roth)
0.10%$1k-6 Month IRA Certificate (Traditional,CESA,Roth)

Appalachian Community Credit Union Locations
Branch Office1206 W Main StRogersville, TN 37857
Branch Office1500 E Stone DrKingsport, TN 37660
Branch Office1000 W Market StJohnson City, TN 37604
Branch Office1448 Park Ave NWNorton, VA 24273
Branch Office5034 Bobby Hicks Hwy Ste 2Gray, TN 37615
Branch Office104 Pasco St P.O. Box 504Berea, KY 40403
Branch Office417 Main St NMc Kee, KY 40447