Major Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 10.0. A current level of 5.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.1).
Other Rating Factors:
Good liquidity 6.1, driven by a liquidity ratio of 33.1 percent and a “hot money” ratio of 0.8 percent. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Good (5.9) profitability.
Asset Mix:
Consumer loans (29%), home mtgs (10%), other (61%)
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
956 Mulberry Street
Loudon, TN 37774
Loudon, TN 37774
Phone Number
(865) 458-4347
NCUA Charter Number
Website
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