Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.9 on a scale of 0 to 10) based on a net capital to total assets of 8.3 and a net worth ratio of 11.6. A current level of 12.2 percent of nonperforming loans to core capital contributes to the Good asset quality (5.9).
Asset Mix:
Consumer loans (21%), home mtgs (11%), comm loans (10%), securities (3%), other (56%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
112 Administration Road
Oak Ridge, TN 37830
Oak Ridge, TN 37830
Phone Number
(865) 482-4343
NCUA Charter Number
Website
Largest Competitors
Kingsport, TN
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Oak Ridge, TN
Oak Ridge, TN
Oak Ridge, TN