Major Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Excellent asset quality (9.9). Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 10.4.
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.4 has resulted in Excellent (7.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (32%), consumer loans (21%), other (47%)
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
201 South Illinois Avenue
Oak Ridge, TN 37830
Oak Ridge, TN 37830
Phone Number
(865) 482-0045
NCUA Charter Number
Website
Largest Competitors
Kingsport, TN
Knoxville, TN
Oak Ridge, TN
Oak Ridge, TN
Oak Ridge, TN
