Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.2 has resulted in Weak (1.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.1 and a net worth ratio of 17.3. A current level of 2.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9).
Asset Mix:
Consumer loans (15%), other (85%)
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
7130 Goodlett Farms Parkway
Cordova, TN 38016
Cordova, TN 38016
Phone Number
(901) 453-3500
NCUA Charter Number
Website
Largest Competitors
Kingsport, TN
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Cordova, TN
Cordova, TN
Cordova, TN