Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.7 and a net worth ratio of 12.7. A current level of 2.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8).
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 (6.8 on a scale of 0 to 10). Good liquidity 5.5, driven by a liquidity ratio of 38.2 percent and a “hot money” ratio of 12.1 percent.
Asset Mix:
Securities (34%), consumer loans (16%), home mtgs (10%), other (39%)
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
420 Central Avenue, NW
Cleveland, TN 37311
Cleveland, TN 37311
Phone Number
(423) 479-6392
NCUA Charter Number
Website
Largest Competitors
Kingsport, TN
Cleveland, TN
Cleveland, TN
Cleveland, TN
Cleveland, TN