Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Weak (2.9) profitability.
Other Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (10.0). Good liquidity 6.9, driven by a liquidity ratio of 17.6 percent and a “hot money” ratio of 2.2 percent.
Asset Mix:
Consumer loans (20%), home mtgs (2%), other (79%)
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