Select Seven Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.6 and a net worth ratio of 11.7. A current level of 0.3 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (8.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10). Weak liquidity 2.7, driven by a liquidity ratio of 16.3 percent and a “hot money” ratio of 17.9 percent.
Asset Mix:
Consumer loans (47%), home mtgs (23%), other (30%)
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
333 East Main Street
Johnson City, TN 37601
Johnson City, TN 37601
Phone Number
(423) 282-0671
NCUA Charter Number
Website
Largest Competitors
Kingsport, TN
Knoxville, TN
Tullahoma, TN
Johnson City, TN
Johnson City, TN