Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.0 has resulted in Weak (2.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.7, driven by a liquidity ratio of 15.5 percent and a “hot money” ratio of 11.5 percent. Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.4 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (19%), home mtgs (12%), securities (5%), other (64%)
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
Knoxville, TN
Oak Ridge, TN
Oak Ridge, TN
Oak Ridge, TN