Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 11.1. A current level of 2.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7).
Other Rating Factors:
Good liquidity 5.9, driven by a liquidity ratio of 49.8 percent and a “hot money” ratio of 16.3 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (26%), home mtgs (15%), comm loans (1%), other (58%)
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
3904 Central Pike
Hermitage, TN 37076
Hermitage, TN 37076
Phone Number
(615) 883-4019
NCUA Charter Number
Website
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