Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 0.0. A current level of 5.2 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Excellent asset quality (8.0).
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 (6.7 on a scale of 0 to 10). Weak liquidity 2.7, driven by a liquidity ratio of 15.0 percent and a “hot money” ratio of 5.0 percent.
Asset Mix:
Home mtgs (23%), consumer loans (17%), other (61%)
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
400 Monroe Avenue
Memphis, TN 38103
Memphis, TN 38103
Phone Number
(901) 385-5200
NCUA Charter Number
Website
Largest Competitors
Memphis, TN
Memphis, TN
Memphis, TN