Major Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.7). Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.4 and a net worth ratio of 10.4.
Other Rating Factors:
Excellent liquidity 7.3, driven by a liquidity ratio of 34.9 percent and a “hot money” ratio of 4.9 percent. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Good (5.9) profitability.
Asset Mix:
Consumer loans (18%), home mtgs (2%), other (80%)
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
525 Old Hickory Boulevard
Jackson, TN 38305
Jackson, TN 38305
Phone Number
(731) 668-3464
NCUA Charter Number
Website
Largest Competitors
Kingsport, TN
Knoxville, TN
Jackson, TN
Jackson, TN
Jackson, TN