Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 34.6 percent and a “hot money” ratio of 0.0 percent. A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5).
Asset Mix:
Consumer loans (67%), other (33%)
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
1256 North Mclean Boulevard
Memphis, TN 38108
Memphis, TN 38108
Phone Number
(901) 272-8325
NCUA Charter Number
Largest Competitors
Memphis, TN
Memphis, TN
Memphis, TN