Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (2.9) profitability. 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).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 20.3 and a net worth ratio of 20.3. A current level of 2.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8).
Asset Mix:
Consumer loans (35%), other (65%)
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
2305 Chambliss Avenue, NW
Cleveland, TN 37311
Cleveland, TN 37311
Phone Number
(423) 559-6185
NCUA Charter Number
Website
Largest Competitors
Kingsport, TN
Cleveland, TN
Cleveland, TN
Cleveland, TN
Cleveland, TN