Major Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 11.1.
Other Rating Factors:
Excellent liquidity 7.6, driven by a liquidity ratio of 48.2 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.7 has resulted in Good (6.3) profitability.
Asset Mix:
Consumer loans (22%), other (78%)
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
1306 Highway 70 Bypass
Jackson, TN 38301
Jackson, TN 38301
Phone Number
(731) 423-7499
NCUA Charter Number
Website
Largest Competitors
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Jackson, TN
Jackson, TN