Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.1 has resulted in Fair (3.1) profitability.
Other Rating Factors:
Weak liquidity 3.0, driven by a liquidity ratio of 15.8 percent and a “hot money” ratio of 16.6 percent. Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 7.7.
Asset Mix:
Consumer loans (43%), home mtgs (15%), securities (1%), other (41%)
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
685 Ken Pilkerton Drive
Smyrna, TN 37167
Smyrna, TN 37167
Phone Number
(855) 663-8328
NCUA Charter Number
Website
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