Major Rating Factors:
A current level of 2.7 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (9.4). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.9 has resulted in Good (6.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (39%), consumer loans (31%), other (30%)
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
Largest Competitors
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Oak Ridge, TN
Oak Ridge, TN