Major Rating Factors:
A current level of 14.8 percent of nonperforming loans to core capital combined with 14.8 percent from a year earlier contributes to the Good asset quality (5.1).
Other Rating Factors:
Weak liquidity 2.1, driven by a liquidity ratio of 38.8 percent and a “hot money” ratio of 10.6 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Asset Mix:
Consumer loans (69%), securities (20%), other (12%)
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
2168 Frisco Avenue
Memphis, TN 38114
Memphis, TN 38114
Phone Number
(901) 745-9879
NCUA Charter Number
Largest Competitors
Memphis, TN
Memphis, TN
Memphis, TN