Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.1 has resulted in Excellent (7.3) profitability.
Other Rating Factors:
A current level of 2.7 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (9.3). Excellent current capitalization (9.0 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 11.2.
Asset Mix:
Home mtgs (41%), consumer loans (30%), other (29%)
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
221 South Rutgers Avenue
Oak Ridge, TN 37830
Oak Ridge, TN 37830
Phone Number
(865) 688-9555
NCUA Charter Number
Website
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Oak Ridge, TN