Major 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 (5.3 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.7, driven by a liquidity ratio of 44.1 percent and a “hot money” ratio of 11.0 percent. A current level of 6.8 percent of nonperforming loans to core capital contributes to the Good asset quality (6.6).
Asset Mix:
Consumer loans (64%), securities (13%), other (23%)
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