Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.2 and a net worth ratio of 0.0. A current level of 5.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.9).
Other 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 (7.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 0.7 has resulted in Good (5.5) profitability.
Asset Mix:
Securities (36%), consumer loans (24%), home mtgs (17%), other (23%)
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
2731 Nonconnah Boulevard
Memphis, TN 38132
Memphis, TN 38132
Phone Number
(901) 344-2500
NCUA Charter Number
Website
Largest Competitors
Memphis, TN
Memphis, TN
Memphis, TN
Memphis, TN