Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 0.0.
Other Rating Factors:
Excellent liquidity 7.5, driven by a liquidity ratio of 36.9 percent and a “hot money” ratio of 5.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (16%), home mtgs (2%), other (82%)
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