Major Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 0.0. A current level of 11.8 percent of nonperforming loans to core capital combined with 11.2 percent from a year earlier contributes to the Good asset quality (6.5).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.6 has resulted in Good (6.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (34%), home mtgs (19%), securities (3%), other (44%)
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
410 Donelson Pike
Nashville, TN 37214
Nashville, TN 37214
Phone Number
(615) 847-4043
NCUA Charter Number
Website
Largest Competitors
Nashville, TN
Nashville, TN
Nashville, TN
Nashville, TN
Nashville, TN