Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.3 and a net worth ratio of 12.3. A current level of 0.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Excellent (7.4) profitability. Good liquidity 5.8, driven by a liquidity ratio of 46.9 percent and a “hot money” ratio of 13.2 percent.
Asset Mix:
Consumer loans (31%), home mtgs (11%), 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
501 East Summit Hill Drive
Knoxville, TN 37915
Knoxville, TN 37915
Phone Number
(865) 522-3900
NCUA Charter Number
Website
Largest Competitors
Knoxville, TN
Knoxville, TN
Knoxville, TN
Knoxville, TN
Knoxville, TN