Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 25.5 and a net worth ratio of 25.5. Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 2.1 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 3.3 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (8.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (45%), other (55%)
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
3108 North Germantown Parkway
Bartlett, TN 38133
Bartlett, TN 38133
Phone Number
(901) 795-9055
NCUA Charter Number
Website
Largest Competitors
Kingsport, TN
Knoxville, TN
Tullahoma, TN
Oak Ridge, TN
Bartlett, TN
